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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 | $69,186 | $78,520-11.9% | $96,576-28.4% | $82,448-16.1% |
| Participation rate | 94.3% | 77.7%+16.6pp | 81.4%+12.8pp | 68.1%+26.2pp |
| Annual return | 19.37% | 41.30%-21.9pp | 38.47%-19.1pp | 41.64%-22.3pp |
| Employer contribution / active EE | $2,524 | $2,630-4.0% | $3,553-29.0% | $2,551-1.0% |
| Participant deferral / active EE | $7,638 | $6,754+13.1% | $7,956-4.0% | $4,139+84.5% |
| Admin fee / account holder | $20,589 | $13,455+53.0% | $11,381+80.9% | $7,234+184.6% |