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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 | $35,918 | $67,602-46.9% | $82,312-56.4% | $70,126-48.8% |
| Participation rate | 94.5% | 72.8%+21.8pp | 76.9%+17.7pp | 69.5%+25.0pp |
| Annual return | 14.24% | 21.57%-7.3pp | 25.88%-11.6pp | 73.15%-58.9pp |
| Employer contribution / active EE | $1,834 | $1,755+4.5% | $2,428-24.5% | $2,343-21.7% |
| Participant deferral / active EE | $3,860 | $2,987+29.2% | $3,706+4.1% | $3,332+15.8% |
| Admin fee / account holder | $3,135 | $4,512-30.5% | $5,608-44.1% | $4,645-32.5% |