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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 | $43,325 | $67,602-35.9% | $82,312-47.4% | $70,126-38.2% |
| Participation rate | 96.2% | 72.8%+23.4pp | 76.9%+19.3pp | 69.5%+26.6pp |
| Annual return | 18.75% | 21.57%-2.8pp | 25.88%-7.1pp | 73.15%-54.4pp |
| Employer contribution / active EE | $1,723 | $1,755-1.8% | $2,428-29.1% | $2,343-26.5% |
| Participant deferral / active EE | $3,181 | $2,987+6.5% | $3,706-14.2% | $3,332-4.5% |
| Admin fee / account holder | $1,877 | $4,512-58.4% | $5,608-66.5% | $4,645-59.6% |