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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 | $41,469 | $67,602-38.7% | $82,312-49.6% | $70,126-40.9% |
| Participation rate | 71.8% | 72.8%-1.0pp | 76.9%-5.1pp | 69.5%+2.3pp |
| Annual return | 17.10% | 21.57%-4.5pp | 25.88%-8.8pp | 73.15%-56.1pp |
| Employer contribution / active EE | $1,426 | $1,755-18.8% | $2,428-41.3% | $2,343-39.1% |
| Participant deferral / active EE | $3,577 | $2,987+19.7% | $3,706-3.5% | $3,332+7.4% |
| Admin fee / account holder | $4,183 | $4,512-7.3% | $5,608-25.4% | $4,645-10.0% |