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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 | $43,646 | $69,444-37.2% | $92,985-53.1% | $87,485-50.1% |
| Participation rate | 93.5% | 63.3%+30.3pp | 69.5%+24.1pp | 68.9%+24.6pp |
| Annual return | 17.71% | 23.85%-6.1pp | 27.99%-10.3pp | 26.06%-8.3pp |
| Employer contribution / active EE | $2,534 | $1,917+32.2% | $2,662-4.8% | $2,596-2.4% |
| Participant deferral / active EE | $4,788 | $3,364+42.3% | $4,377+9.4% | $4,274+12.0% |
| Admin fee / account holder | $1,358 | $6,137-77.9% | $9,463-85.7% | $7,775-82.5% |