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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 | $83,660 | $114,712-27.1% | $173,730-51.8% | $87,485-4.4% |
| Participation rate | 93.1% | 73.0%+20.1pp | 79.6%+13.5pp | 68.9%+24.2pp |
| Annual return | 13.92% | 20.18%-6.3pp | 19.96%-6.0pp | 26.06%-12.1pp |
| Employer contribution / active EE | $1,887 | $2,904-35.0% | $4,577-58.8% | $2,596-27.3% |
| Participant deferral / active EE | $3,265 | $4,642-29.7% | $6,326-48.4% | $4,274-23.6% |
| Admin fee / account holder | $11,055 | $10,210+8.3% | $17,523-36.9% | $7,775+42.2% |