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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 | $40,086 | $58,493-31.5% | $84,023-52.3% | $72,976-45.1% |
| Participation rate | 96.6% | 61.2%+35.3pp | 69.0%+27.5pp | 69.5%+27.1pp |
| Annual return | 18.74% | 28.93%-10.2pp | 71.32%-52.6pp | 81.02%-62.3pp |
| Employer contribution / active EE | $1,821 | $1,163+56.5% | $1,984-8.2% | $2,440-25.4% |
| Participant deferral / active EE | $3,355 | $2,394+40.1% | $3,239+3.6% | $3,608-7.0% |
| Admin fee / account holder | $954 | $4,569-79.1% | $6,102-84.4% | $5,124-81.4% |