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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 | $62,788 | $67,602-7.1% | $82,312-23.7% | $70,126-10.5% |
| Participation rate | 80.0% | 72.8%+7.2pp | 76.9%+3.1pp | 69.5%+10.5pp |
| Annual return | 21.34% | 21.57%-0.2pp | 25.88%-4.5pp | 73.15%-51.8pp |
| Employer contribution / active EE | $1,833 | $1,755+4.5% | $2,428-24.5% | $2,343-21.7% |
| Participant deferral / active EE | $2,902 | $2,987-2.9% | $3,706-21.7% | $3,332-12.9% |
| Admin fee / account holder | $3,214 | $4,512-28.8% | $5,608-42.7% | $4,645-30.8% |