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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 | $42,977 | $81,457-47.2% | $103,378-58.4% | $80,911-46.9% |
| Participation rate | 87.5% | 66.8%+20.7pp | 74.5%+13.0pp | 67.6%+19.9pp |
| Annual return | 18.64% | 25.58%-6.9pp | 24.91%-6.3pp | 35.63%-17.0pp |
| Employer contribution / active EE | $2,653 | $3,107-14.6% | $3,870-31.5% | $2,756-3.7% |
| Participant deferral / active EE | $4,718 | $3,871+21.9% | $5,058-6.7% | $4,297+9.8% |
| Admin fee / account holder | $2,326 | $6,717-65.4% | $8,401-72.3% | $6,935-66.5% |