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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 | $36,055 | $95,453-62.2% | $112,040-67.8% | $82,448-56.3% |
| Participation rate | 75.6% | 72.8%+2.8pp | 76.5%-0.9pp | 68.1%+7.5pp |
| Annual return | 20.92% | 23.92%-3.0pp | 24.52%-3.6pp | 41.64%-20.7pp |
| Employer contribution / active EE | $2,343 | $2,318+1.1% | $2,954-20.7% | $2,551-8.1% |
| Participant deferral / active EE | $4,958 | $4,224+17.4% | $5,098-2.7% | $4,139+19.8% |
| Admin fee / account holder | $3,598 | $9,013-60.1% | $12,098-70.3% | $7,234-50.3% |