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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 | $40,623 | $72,492-44.0% | $87,104-53.4% | $72,975-44.3% |
| Participation rate | 85.2% | 72.8%+12.4pp | 76.9%+8.3pp | 69.5%+15.7pp |
| Annual return | 22.00% | 24.46%-2.5pp | 28.19%-6.2pp | 81.01%-59.0pp |
| Employer contribution / active EE | $1,701 | $1,894-10.2% | $2,521-32.5% | $2,440-30.3% |
| Participant deferral / active EE | $3,382 | $3,270+3.4% | $4,048-16.5% | $3,608-6.3% |
| Admin fee / account holder | $5,436 | $5,055+7.5% | $7,491-27.4% | $5,124+6.1% |