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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 | $61,368 | $81,504-24.7% | $102,437-40.1% | $80,959-24.2% |
| Participation rate | 90.5% | 66.9%+23.7pp | 74.5%+16.0pp | 67.7%+22.9pp |
| Annual return | 11.32% | 25.60%-14.3pp | 24.95%-13.6pp | 35.67%-24.4pp |
| Employer contribution / active EE | $2,420 | $3,104-22.0% | $3,871-37.5% | $2,757-12.2% |
| Participant deferral / active EE | $4,156 | $3,871+7.4% | $5,060-17.9% | $4,300-3.3% |
| Admin fee / account holder | $2,410 | $6,719-64.1% | $8,388-71.3% | $6,925-65.2% |