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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,612 | $86,938-31.4% | $102,423-41.8% | $80,925-26.3% |
| Participation rate | 91.8% | 72.4%+19.5pp | 76.5%+15.3pp | 67.7%+24.2pp |
| Annual return | 16.28% | 18.89%-2.6pp | 29.42%-13.1pp | 35.65%-19.4pp |
| Employer contribution / active EE | $1,068 | $2,369-54.9% | $3,023-64.7% | $2,756-61.2% |
| Participant deferral / active EE | $3,375 | $4,120-18.1% | $5,054-33.2% | $4,299-21.5% |
| Admin fee / account holder | $4,961 | $8,053-38.4% | $9,455-47.5% | $6,940-28.5% |