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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 | $38,311 | $67,602-43.3% | $82,312-53.5% | $70,126-45.4% |
| Participation rate | 96.0% | 72.8%+23.2pp | 76.9%+19.1pp | 69.5%+26.5pp |
| Annual return | 17.86% | 21.57%-3.7pp | 25.88%-8.0pp | 73.15%-55.3pp |
| Employer contribution / active EE | $2,004 | $1,755+14.2% | $2,428-17.5% | $2,343-14.4% |
| Participant deferral / active EE | $3,484 | $2,987+16.6% | $3,706-6.0% | $3,332+4.6% |
| Admin fee / account holder | $11,943 | $4,512+164.7% | $5,608+113.0% | $4,645+157.1% |