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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 | $36,779 | $67,602-45.6% | $82,312-55.3% | $70,126-47.6% |
| Participation rate | 98.3% | 72.8%+25.6pp | 76.9%+21.4pp | 69.5%+28.8pp |
| Annual return | 15.75% | 21.57%-5.8pp | 25.88%-10.1pp | 73.15%-57.4pp |
| Employer contribution / active EE | $1,699 | $1,755-3.2% | $2,428-30.0% | $2,343-27.5% |
| Participant deferral / active EE | $3,619 | $2,987+21.2% | $3,706-2.3% | $3,332+8.6% |
| Admin fee / account holder | $1,909 | $4,512-57.7% | $5,608-66.0% | $4,645-58.9% |