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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 | $51,381 | $60,349-14.9% | $74,184-30.7% | $62,881-18.3% |
| Participation rate | 98.0% | 72.7%+25.2pp | 76.6%+21.3pp | 69.3%+28.7pp |
| Annual return | 6.69% | 21.38%-14.7pp | 17.74%-11.0pp | 20.14%-13.5pp |
| Employer contribution / active EE | $1,801 | $1,680+7.2% | $2,370-24.0% | $2,281-21.1% |
| Participant deferral / active EE | $3,912 | $2,856+37.0% | $3,550+10.2% | $3,203+22.1% |
| Admin fee / account holder | $1,048 | $4,261-75.4% | $5,586-81.2% | $4,296-75.6% |