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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 | $78,404 | $138,385-43.3% | $184,243-57.4% | $80,925-3.1% |
| Participation rate | 94.1% | 83.9%+10.2pp | 86.8%+7.3pp | 67.7%+26.5pp |
| Annual return | 13.61% | 20.02%-6.4pp | 28.82%-15.2pp | 35.65%-22.0pp |
| Employer contribution / active EE | $2,306 | $4,851-52.5% | $6,427-64.1% | $2,756-16.3% |
| Participant deferral / active EE | $5,599 | $7,075-20.9% | $9,132-38.7% | $4,299+30.3% |
| Admin fee / account holder | $4,239 | $10,489-59.6% | $13,914-69.5% | $6,940-38.9% |