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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 | $30,173 | $67,602-55.4% | $82,312-63.3% | $70,126-57.0% |
| Participation rate | 95.0% | 72.8%+22.2pp | 76.9%+18.1pp | 69.5%+25.5pp |
| Annual return | 16.05% | 21.57%-5.5pp | 25.88%-9.8pp | 73.15%-57.1pp |
| Employer contribution / active EE | $1,903 | $1,755+8.4% | $2,428-21.6% | $2,343-18.8% |
| Participant deferral / active EE | $2,599 | $2,987-13.0% | $3,706-29.9% | $3,332-22.0% |
| Admin fee / account holder | $1,780 | $4,512-60.5% | $5,608-68.3% | $4,645-61.7% |