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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 | $63,726 | $67,602-5.7% | $82,312-22.6% | $70,126-9.1% |
| Participation rate | 89.1% | 72.8%+16.4pp | 76.9%+12.2pp | 69.5%+19.6pp |
| Annual return | 15.89% | 21.57%-5.7pp | 25.88%-10.0pp | 73.15%-57.3pp |
| Employer contribution / active EE | $1,746 | $1,755-0.5% | $2,428-28.1% | $2,343-25.5% |
| Participant deferral / active EE | $3,575 | $2,987+19.7% | $3,706-3.5% | $3,332+7.3% |
| Admin fee / account holder | $3,609 | $4,512-20.0% | $5,608-35.6% | $4,645-22.3% |