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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 | $40,742 | $95,453-57.3% | $112,040-63.6% | $82,448-50.6% |
| Participation rate | 74.1% | 72.8%+1.3pp | 76.5%-2.4pp | 68.1%+6.0pp |
| Annual return | 17.96% | 23.92%-6.0pp | 24.52%-6.6pp | 41.64%-23.7pp |
| Employer contribution / active EE | $2,578 | $2,318+11.2% | $2,954-12.7% | $2,551+1.1% |
| Participant deferral / active EE | $2,893 | $4,224-31.5% | $5,098-43.3% | $4,139-30.1% |
| Admin fee / account holder | $863 | $9,013-90.4% | $12,098-92.9% | $7,234-88.1% |