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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 | $75,417 | $101,795-25.9% | $165,100-54.3% | $80,959-6.8% |
| Participation rate | 93.1% | 71.8%+21.3pp | 78.6%+14.5pp | 67.7%+25.4pp |
| Annual return | 18.65% | 16.73%+1.9pp | 70.21%-51.6pp | 35.67%-17.0pp |
| Employer contribution / active EE | $2,172 | $2,954-26.4% | $4,348-50.0% | $2,757-21.2% |
| Participant deferral / active EE | $3,088 | $4,476-31.0% | $6,035-48.8% | $4,300-28.2% |
| Admin fee / account holder | $3,978 | $8,221-51.6% | $12,696-68.7% | $6,925-42.6% |