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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 | $47,815 | $76,834-37.8% | $108,359-55.9% | $87,485-45.3% |
| Participation rate | 81.5% | 61.7%+19.8pp | 70.1%+11.4pp | 68.9%+12.6pp |
| Annual return | 15.46% | 19.09%-3.6pp | 36.89%-21.4pp | 26.06%-10.6pp |
| Employer contribution / active EE | $1,768 | $1,556+13.6% | $2,399-26.3% | $2,596-31.9% |
| Participant deferral / active EE | $4,474 | $3,100+44.3% | $4,137+8.1% | $4,274+4.7% |
| Admin fee / account holder | $1,840 | $6,537-71.9% | $9,741-81.1% | $7,775-76.3% |