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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 | $46,803 | $67,602-30.8% | $82,312-43.1% | $70,126-33.3% |
| Participation rate | 97.1% | 72.8%+24.3pp | 76.9%+20.2pp | 69.5%+27.6pp |
| Annual return | 16.42% | 21.57%-5.1pp | 25.88%-9.5pp | 73.15%-56.7pp |
| Employer contribution / active EE | $1,851 | $1,755+5.5% | $2,428-23.8% | $2,343-21.0% |
| Participant deferral / active EE | $3,789 | $2,987+26.8% | $3,706+2.2% | $3,332+13.7% |
| Admin fee / account holder | $931 | $4,512-79.4% | $5,608-83.4% | $4,645-80.0% |