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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 | $101,778-37.1% | $164,975-61.2% | $80,925-20.9% |
| Participation rate | 97.3% | 71.8%+25.5pp | 78.6%+18.7pp | 67.7%+29.6pp |
| Annual return | 12.35% | 16.73%-4.4pp | 70.12%-57.8pp | 35.65%-23.3pp |
| Employer contribution / active EE | $2,023 | $2,954-31.5% | $4,343-53.4% | $2,756-26.6% |
| Participant deferral / active EE | $2,264 | $4,477-49.4% | $6,033-62.5% | $4,299-47.3% |
| Admin fee / account holder | $555 | $8,221-93.3% | $12,688-95.6% | $6,940-92.0% |