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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 | $86,922-38.9% | $102,438-48.2% | $80,874-34.4% |
| Participation rate | 95.2% | 72.4%+22.9pp | 76.5%+18.7pp | 67.6%+27.6pp |
| Annual return | 15.72% | 18.90%-3.2pp | 29.37%-13.6pp | 35.62%-19.9pp |
| Employer contribution / active EE | $2,095 | $2,369-11.6% | $3,024-30.7% | $2,756-24.0% |
| Participant deferral / active EE | $2,496 | $4,119-39.4% | $5,054-50.6% | $4,297-41.9% |
| Admin fee / account holder | $1,053 | $8,050-86.9% | $9,448-88.9% | $6,935-84.8% |