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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 | $46,706 | $49,025-4.7% | $87,502-46.6% | $62,881-25.7% |
| Participation rate | 80.5% | 64.9%+15.6pp | 73.8%+6.7pp | 69.3%+11.2pp |
| Annual return | 10.53% | 10.02%+0.5pp | 12.21%-1.7pp | 20.14%-9.6pp |
| Employer contribution / active EE | $1,142 | $1,372-16.8% | $2,550-55.2% | $2,281-49.9% |
| Participant deferral / active EE | $2,953 | $2,289+29.0% | $3,149-6.2% | $3,203-7.8% |
| Admin fee / account holder | $2,694 | $4,065-33.7% | $4,221-36.2% | $4,296-37.3% |