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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 | $63,985 | $101,795-37.1% | $165,100-61.2% | $80,959-21.0% |
| Participation rate | 97.3% | 71.8%+25.5pp | 78.6%+18.7pp | 67.7%+29.6pp |
| Annual return | 12.35% | 16.73%-4.4pp | 70.21%-57.9pp | 35.67%-23.3pp |
| Employer contribution / active EE | $2,023 | $2,954-31.5% | $4,348-53.5% | $2,757-26.6% |
| Participant deferral / active EE | $2,264 | $4,476-49.4% | $6,035-62.5% | $4,300-47.4% |
| Admin fee / account holder | $555 | $8,221-93.3% | $12,696-95.6% | $6,925-92.0% |