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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 | $32,427 | $58,627-44.7% | $76,735-57.7% | $82,448-60.7% |
| Participation rate | 97.2% | 63.2%+34.0pp | 69.5%+27.7pp | 68.1%+29.2pp |
| Annual return | 20.51% | 39.10%-18.6pp | 29.77%-9.3pp | 41.64%-21.1pp |
| Employer contribution / active EE | $1,850 | $1,729+7.0% | $2,454-24.6% | $2,551-27.5% |
| Participant deferral / active EE | $3,963 | $3,134+26.5% | $4,088-3.1% | $4,139-4.3% |
| Admin fee / account holder | $534 | $5,323-90.0% | $7,189-92.6% | $7,234-92.6% |