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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 | $71,024 | $95,453-25.6% | $112,040-36.6% | $82,448-13.9% |
| Participation rate | 98.6% | 72.8%+25.9pp | 76.5%+22.2pp | 68.1%+30.6pp |
| Annual return | 14.78% | 23.92%-9.1pp | 24.52%-9.7pp | 41.64%-26.9pp |
| Employer contribution / active EE | $4,914 | $2,318+112.0% | $2,954+66.4% | $2,551+92.6% |
| Participant deferral / active EE | $4,079 | $4,224-3.4% | $5,098-20.0% | $4,139-1.5% |
| Admin fee / account holder | $3,158 | $9,013-65.0% | $12,098-73.9% | $7,234-56.4% |