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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 | $72,471-39.8% | $94,215-53.7% | $86,983-49.8% |
| Participation rate | 93.5% | 63.9%+29.7pp | 70.0%+23.6pp | 69.5%+24.0pp |
| Annual return | 17.71% | 26.44%-8.7pp | 28.22%-10.5pp | 25.83%-8.1pp |
| Employer contribution / active EE | $2,534 | $1,936+30.9% | $2,675-5.3% | $2,584-1.9% |
| Participant deferral / active EE | $4,788 | $3,397+41.0% | $4,276+12.0% | $4,194+14.2% |
| Admin fee / account holder | $1,358 | $6,468-79.0% | $10,216-86.7% | $7,856-82.7% |