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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 | $73,214 | $110,137-33.5% | $161,149-54.6% | $82,637-11.4% |
| Participation rate | 87.5% | 72.4%+15.1pp | 78.8%+8.7pp | 68.1%+19.4pp |
| Annual return | 15.42% | 20.69%-5.3pp | 21.16%-5.7pp | 53.51%-38.1pp |
| Employer contribution / active EE | $2,079 | $2,856-27.2% | $4,360-52.3% | $2,552-18.5% |
| Participant deferral / active EE | $4,346 | $4,575-5.0% | $6,153-29.4% | $4,126+5.3% |
| Admin fee / account holder | $3,645 | $9,467-61.5% | $15,194-76.0% | $7,339-50.3% |