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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 | $44,046 | $86,938-49.3% | $102,423-57.0% | $80,925-45.6% |
| Participation rate | 72.5% | 72.4%+0.1pp | 76.5%-4.0pp | 67.7%+4.8pp |
| Annual return | 13.38% | 18.89%-5.5pp | 29.42%-16.0pp | 35.65%-22.3pp |
| Employer contribution / active EE | $2,172 | $2,369-8.3% | $3,023-28.2% | $2,756-21.2% |
| Participant deferral / active EE | $4,534 | $4,120+10.0% | $5,054-10.3% | $4,299+5.5% |
| Admin fee / account holder | $2,099 | $8,053-73.9% | $9,455-77.8% | $6,940-69.8% |