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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 | $70,825 | $110,137-35.7% | $161,149-56.0% | $82,637-14.3% |
| Participation rate | 88.4% | 72.4%+16.1pp | 78.8%+9.6pp | 68.1%+20.4pp |
| Annual return | 16.93% | 20.69%-3.8pp | 21.16%-4.2pp | 53.51%-36.6pp |
| Employer contribution / active EE | $2,609 | $2,856-8.7% | $4,360-40.2% | $2,552+2.2% |
| Participant deferral / active EE | $2,273 | $4,575-50.3% | $6,153-63.1% | $4,126-44.9% |
| Admin fee / account holder | $2,625 | $9,467-72.3% | $15,194-82.7% | $7,339-64.2% |