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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 | $53,077 | $86,949-39.0% | $102,460-48.2% | $80,959-34.4% |
| Participation rate | 95.2% | 72.4%+22.9pp | 76.5%+18.7pp | 67.7%+27.6pp |
| Annual return | 15.72% | 18.89%-3.2pp | 29.47%-13.8pp | 35.67%-19.9pp |
| Employer contribution / active EE | $2,095 | $2,370-11.6% | $3,025-30.7% | $2,757-24.0% |
| Participant deferral / active EE | $2,496 | $4,121-39.4% | $5,056-50.6% | $4,300-42.0% |
| Admin fee / account holder | $1,053 | $8,048-86.9% | $9,460-88.9% | $6,925-84.8% |