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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 | $78,293 | $110,137-28.9% | $161,149-51.4% | $82,637-5.3% |
| Participation rate | 93.9% | 72.4%+21.6pp | 78.8%+15.1pp | 68.1%+25.9pp |
| Annual return | 17.17% | 20.69%-3.5pp | 21.16%-4.0pp | 53.51%-36.3pp |
| Employer contribution / active EE | $1,699 | $2,856-40.5% | $4,360-61.0% | $2,552-33.4% |
| Participant deferral / active EE | $2,763 | $4,575-39.6% | $6,153-55.1% | $4,126-33.0% |
| Admin fee / account holder | $1,088 | $9,467-88.5% | $15,194-92.8% | $7,339-85.2% |