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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 | $69,444-53.3% | $92,985-65.1% | $87,485-62.9% |
| Participation rate | 97.2% | 63.3%+33.9pp | 69.5%+27.7pp | 68.9%+28.3pp |
| Annual return | 20.51% | 23.85%-3.3pp | 27.99%-7.5pp | 26.06%-5.6pp |
| Employer contribution / active EE | $1,850 | $1,917-3.5% | $2,662-30.5% | $2,596-28.7% |
| Participant deferral / active EE | $3,963 | $3,364+17.8% | $4,377-9.4% | $4,274-7.3% |
| Admin fee / account holder | $534 | $6,137-91.3% | $9,463-94.4% | $7,775-93.1% |