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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 | $53,918 | $73,787-26.9% | $98,716-45.4% | $82,448-34.6% |
| Participation rate | 87.0% | 61.4%+25.5pp | 69.3%+17.7pp | 68.1%+18.9pp |
| Annual return | 17.38% | 18.57%-1.2pp | 31.81%-14.4pp | 41.64%-24.3pp |
| Employer contribution / active EE | $2,369 | $1,511+56.7% | $2,279+4.0% | $2,551-7.1% |
| Participant deferral / active EE | $3,507 | $3,081+13.8% | $4,048-13.4% | $4,139-15.3% |
| Admin fee / account holder | $2,005 | $6,500-69.2% | $8,703-77.0% | $7,234-72.3% |