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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 | $49,350 | $58,493-15.6% | $84,021-41.3% | $72,975-32.4% |
| Participation rate | 93.8% | 61.2%+32.5pp | 69.0%+24.7pp | 69.5%+24.3pp |
| Annual return | 23.07% | 28.93%-5.9pp | 71.32%-48.3pp | 81.01%-57.9pp |
| Employer contribution / active EE | $1,323 | $1,163+13.8% | $1,984-33.3% | $2,440-45.8% |
| Participant deferral / active EE | $3,773 | $2,394+57.6% | $3,239+16.5% | $3,608+4.6% |
| Admin fee / account holder | $10,668 | $4,569+133.5% | $6,102+74.8% | $5,124+108.2% |