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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 | $42,652 | $67,894-37.2% | $89,340-52.3% | $82,448-48.3% |
| Participation rate | 71.8% | 64.0%+7.7pp | 69.6%+2.2pp | 68.1%+3.7pp |
| Annual return | 21.28% | 19.21%+2.1pp | 20.57%+0.7pp | 41.64%-20.4pp |
| Employer contribution / active EE | $1,458 | $1,828-20.2% | $2,231-34.6% | $2,551-42.8% |
| Participant deferral / active EE | $3,277 | $3,072+6.7% | $3,823-14.3% | $4,139-20.8% |
| Admin fee / account holder | $686 | $5,723-88.0% | $6,704-89.8% | $7,234-90.5% |