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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 | $57,679 | $63,764-9.5% | $81,926-29.6% | $79,858-27.8% |
| Participation rate | 76.5% | 67.5%+9.0pp | 72.0%+4.5pp | 69.6%+6.8pp |
| Annual return | 19.43% | 22.66%-3.2pp | 29.49%-10.1pp | 31.72%-12.3pp |
| Employer contribution / active EE | $2,093 | $1,795+16.6% | $4,310-51.4% | $2,471-15.3% |
| Participant deferral / active EE | $3,434 | $2,780+23.5% | $7,108-51.7% | $3,740-8.2% |
| Admin fee / account holder | $7,522 | $4,426+69.9% | $5,159+45.8% | $5,306+41.8% |