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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 | $63,781 | $81,504-21.7% | $102,437-37.7% | $80,959-21.2% |
| Participation rate | 90.7% | 66.9%+23.9pp | 74.5%+16.2pp | 67.7%+23.1pp |
| Annual return | 12.57% | 25.60%-13.0pp | 24.95%-12.4pp | 35.67%-23.1pp |
| Employer contribution / active EE | $2,470 | $3,104-20.4% | $3,871-36.2% | $2,757-10.4% |
| Participant deferral / active EE | $6,270 | $3,871+62.0% | $5,060+23.9% | $4,300+45.8% |
| Admin fee / account holder | $5,042 | $6,719-25.0% | $8,388-39.9% | $6,925-27.2% |