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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 | $86,949-49.3% | $102,460-57.0% | $80,959-45.6% |
| Participation rate | 72.5% | 72.4%+0.1pp | 76.5%-4.0pp | 67.7%+4.8pp |
| Annual return | 13.38% | 18.89%-5.5pp | 29.47%-16.1pp | 35.67%-22.3pp |
| Employer contribution / active EE | $2,172 | $2,370-8.4% | $3,025-28.2% | $2,757-21.2% |
| Participant deferral / active EE | $4,534 | $4,121+10.0% | $5,056-10.3% | $4,300+5.4% |
| Admin fee / account holder | $2,099 | $8,048-73.9% | $9,460-77.8% | $6,925-69.7% |