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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 | $89,519 | $115,931-22.8% | $185,441-51.7% | $86,983+2.9% |
| Participation rate | 97.1% | 73.6%+23.5pp | 80.3%+16.9pp | 69.5%+27.6pp |
| Annual return | 12.37% | 21.47%-9.1pp | 20.16%-7.8pp | 25.83%-13.5pp |
| Employer contribution / active EE | $2,076 | $2,937-29.3% | $4,672-55.6% | $2,584-19.7% |
| Participant deferral / active EE | $4,463 | $4,551-1.9% | $6,152-27.4% | $4,194+6.4% |
| Admin fee / account holder | $2,587 | $10,687-75.8% | $17,890-85.5% | $7,856-67.1% |