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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 | $45,824 | $100,194-54.3% | $122,979-62.7% | $86,983-47.3% |
| Participation rate | 93.2% | 73.0%+20.3pp | 77.2%+16.0pp | 69.5%+23.7pp |
| Annual return | 15.79% | 16.47%-0.7pp | 20.12%-4.3pp | 25.83%-10.0pp |
| Employer contribution / active EE | $1,969 | $2,326-15.3% | $3,062-35.7% | $2,584-23.8% |
| Participant deferral / active EE | $4,534 | $4,133+9.7% | $5,003-9.4% | $4,194+8.1% |
| Admin fee / account holder | $4,362 | $10,148-57.0% | $12,864-66.1% | $7,856-44.5% |