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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 | $56,528 | $69,444-18.6% | $92,985-39.2% | $87,485-35.4% |
| Participation rate | 73.1% | 63.3%+9.8pp | 69.5%+3.6pp | 68.9%+4.1pp |
| Annual return | 17.02% | 23.85%-6.8pp | 27.99%-11.0pp | 26.06%-9.0pp |
| Employer contribution / active EE | $1,933 | $1,917+0.8% | $2,662-27.4% | $2,596-25.5% |
| Participant deferral / active EE | $4,756 | $3,364+41.4% | $4,377+8.7% | $4,274+11.3% |
| Admin fee / account holder | $4,779 | $6,137-22.1% | $9,463-49.5% | $7,775-38.5% |