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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 | $47,308 | $77,896-39.3% | $134,172-64.7% | $82,448-42.6% |
| Participation rate | 94.0% | 62.8%+31.2pp | 72.5%+21.5pp | 68.1%+25.9pp |
| Annual return | 15.89% | 18.21%-2.3pp | 25.30%-9.4pp | 41.64%-25.7pp |
| Employer contribution / active EE | $2,698 | $2,159+25.0% | $3,420-21.1% | $2,551+5.8% |
| Participant deferral / active EE | $5,210 | $3,162+64.8% | $4,690+11.1% | $4,139+25.9% |
| Admin fee / account holder | $3,271 | $6,336-48.4% | $12,016-72.8% | $7,234-54.8% |