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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 | $138,393-43.3% | $184,256-57.4% | $80,959-3.2% |
| Participation rate | 94.1% | 83.9%+10.2pp | 86.8%+7.3pp | 67.7%+26.4pp |
| Annual return | 13.61% | 20.01%-6.4pp | 28.85%-15.2pp | 35.67%-22.1pp |
| Employer contribution / active EE | $2,306 | $4,847-52.4% | $6,427-64.1% | $2,757-16.4% |
| Participant deferral / active EE | $5,599 | $7,076-20.9% | $9,133-38.7% | $4,300+30.2% |
| Admin fee / account holder | $4,239 | $10,489-59.6% | $13,899-69.5% | $6,925-38.8% |