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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 | $86,940-38.9% | $102,434-48.2% | $80,935-34.4% |
| Participation rate | 95.2% | 72.4%+22.8pp | 76.5%+18.7pp | 67.7%+27.6pp |
| Annual return | 15.72% | 18.89%-3.2pp | 29.46%-13.7pp | 35.66%-19.9pp |
| Employer contribution / active EE | $2,095 | $2,370-11.6% | $3,023-30.7% | $2,757-24.0% |
| Participant deferral / active EE | $2,496 | $4,121-39.4% | $5,055-50.6% | $4,299-41.9% |
| Admin fee / account holder | $1,053 | $8,047-86.9% | $9,462-88.9% | $6,924-84.8% |