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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 | $34,657 | $67,602-48.7% | $82,312-57.9% | $70,126-50.6% |
| Participation rate | 73.3% | 72.8%+0.6pp | 76.9%-3.6pp | 69.5%+3.8pp |
| Annual return | 16.22% | 21.57%-5.4pp | 25.88%-9.7pp | 73.15%-56.9pp |
| Employer contribution / active EE | $1,341 | $1,755-23.6% | $2,428-44.8% | $2,343-42.8% |
| Participant deferral / active EE | $3,155 | $2,987+5.6% | $3,706-14.9% | $3,332-5.3% |
| Admin fee / account holder | $6,233 | $4,512+38.2% | $5,608+11.2% | $4,645+34.2% |