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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 | $64,873 | $69,273-6.4% | $90,796-28.6% | $82,637-21.5% |
| Participation rate | 85.2% | 64.0%+21.2pp | 69.5%+15.7pp | 68.1%+17.1pp |
| Annual return | 17.11% | 18.37%-1.3pp | 19.29%-2.2pp | 53.51%-36.4pp |
| Employer contribution / active EE | $3,282 | $1,865+76.0% | $2,294+43.1% | $2,552+28.6% |
| Participant deferral / active EE | $3,778 | $3,047+24.0% | $3,822-1.1% | $4,126-8.4% |
| Admin fee / account holder | $2,184 | $5,511-60.4% | $7,024-68.9% | $7,339-70.2% |