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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 | $53,899 | $78,027-30.9% | $178,528-69.8% | $80,925-33.4% |
| Participation rate | 95.2% | 65.7%+29.6pp | 77.1%+18.1pp | 67.7%+27.6pp |
| Annual return | 13.62% | 18.09%-4.5pp | 27.11%-13.5pp | 35.65%-22.0pp |
| Employer contribution / active EE | $2,715 | $2,281+19.0% | $3,950-31.3% | $2,756-1.5% |
| Participant deferral / active EE | $3,210 | $4,408-27.2% | $6,278-48.9% | $4,299-25.3% |
| Admin fee / account holder | $3,615 | $7,168-49.6% | $10,419-65.3% | $6,940-47.9% |