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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 | $57,579 | $95,453-39.7% | $112,040-48.6% | $82,448-30.2% |
| Participation rate | 96.3% | 72.8%+23.5pp | 76.5%+19.8pp | 68.1%+28.2pp |
| Annual return | 16.44% | 23.92%-7.5pp | 24.52%-8.1pp | 41.64%-25.2pp |
| Employer contribution / active EE | $2,424 | $2,318+4.6% | $2,954-17.9% | $2,551-5.0% |
| Participant deferral / active EE | $4,786 | $4,224+13.3% | $5,098-6.1% | $4,139+15.6% |
| Admin fee / account holder | $1,973 | $9,013-78.1% | $12,098-83.7% | $7,234-72.7% |