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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 | $46,460 | $67,602-31.3% | $82,312-43.6% | $70,126-33.7% |
| Participation rate | 84.2% | 72.8%+11.4pp | 76.9%+7.3pp | 69.5%+14.7pp |
| Annual return | 13.97% | 21.57%-7.6pp | 25.88%-11.9pp | 73.15%-59.2pp |
| Employer contribution / active EE | $2,274 | $1,755+29.6% | $2,428-6.4% | $2,343-2.9% |
| Participant deferral / active EE | $3,251 | $2,987+8.8% | $3,706-12.3% | $3,332-2.4% |
| Admin fee / account holder | $2,178 | $4,512-51.7% | $5,608-61.2% | $4,645-53.1% |