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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 | $30,651 | $76,564-60.0% | $105,582-71.0% | $94,015-67.4% |
| Participation rate | 89.8% | 65.2%+24.6pp | 71.8%+18.0pp | 70.8%+19.0pp |
| Annual return | 14.31% | 20.69%-6.4pp | 18.61%-4.3pp | 17.84%-3.5pp |
| Employer contribution / active EE | $1,599 | $1,995-19.8% | $2,984-46.4% | $2,790-42.7% |
| Participant deferral / active EE | $2,717 | $3,320-18.2% | $4,353-37.6% | $4,249-36.1% |
| Admin fee / account holder | $7,497 | $7,129+5.2% | $12,856-41.7% | $8,951-16.2% |