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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 | $67,245 | $95,453-29.6% | $112,040-40.0% | $82,448-18.4% |
| Participation rate | 95.3% | 72.8%+22.6pp | 76.5%+18.9pp | 68.1%+27.3pp |
| Annual return | 14.44% | 23.92%-9.5pp | 24.52%-10.1pp | 41.64%-27.2pp |
| Employer contribution / active EE | $2,165 | $2,318-6.6% | $2,954-26.7% | $2,551-15.1% |
| Participant deferral / active EE | $2,696 | $4,224-36.2% | $5,098-47.1% | $4,139-34.9% |
| Admin fee / account holder | $8,042 | $9,013-10.8% | $12,098-33.5% | $7,234+11.2% |