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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 | $76,100 | $73,787+3.1% | $98,716-22.9% | $82,448-7.7% |
| Participation rate | 74.2% | 61.4%+12.8pp | 69.3%+4.9pp | 68.1%+6.2pp |
| Annual return | 16.48% | 18.57%-2.1pp | 31.81%-15.3pp | 41.64%-25.2pp |
| Employer contribution / active EE | $1,528 | $1,511+1.1% | $2,279-33.0% | $2,551-40.1% |
| Participant deferral / active EE | $3,114 | $3,081+1.0% | $4,048-23.1% | $4,139-24.8% |
| Admin fee / account holder | $2,540 | $6,500-60.9% | $8,703-70.8% | $7,234-64.9% |