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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 | $35,557 | $72,486-50.9% | $87,103-59.2% | $72,976-51.3% |
| Participation rate | 91.3% | 72.8%+18.5pp | 76.9%+14.4pp | 69.5%+21.8pp |
| Annual return | 24.27% | 24.46%-0.2pp | 28.19%-3.9pp | 81.02%-56.7pp |
| Employer contribution / active EE | $1,113 | $1,894-41.2% | $2,521-55.9% | $2,440-54.4% |
| Participant deferral / active EE | $4,360 | $3,270+33.3% | $4,049+7.7% | $3,608+20.9% |
| Admin fee / account holder | $2,339 | $5,055-53.7% | $7,491-68.8% | $5,124-54.4% |