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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 | $44,408 | $72,486-38.7% | $87,103-49.0% | $72,976-39.1% |
| Participation rate | 80.4% | 72.8%+7.6pp | 76.9%+3.5pp | 69.5%+10.9pp |
| Annual return | 21.97% | 24.46%-2.5pp | 28.19%-6.2pp | 81.02%-59.0pp |
| Employer contribution / active EE | $1,777 | $1,894-6.2% | $2,521-29.5% | $2,440-27.2% |
| Participant deferral / active EE | $3,156 | $3,270-3.5% | $4,049-22.0% | $3,608-12.5% |
| Admin fee / account holder | $2,777 | $5,055-45.1% | $7,491-62.9% | $5,124-45.8% |