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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 | $50,248 | $63,809-21.3% | $81,353-38.2% | $80,935-37.9% |
| Participation rate | 94.1% | 63.9%+30.2pp | 69.5%+24.6pp | 67.7%+26.5pp |
| Annual return | 16.07% | 16.37%-0.3pp | 24.82%-8.7pp | 35.66%-19.6pp |
| Employer contribution / active EE | $2,664 | $1,981+34.5% | $2,464+8.1% | $2,757-3.4% |
| Participant deferral / active EE | $4,882 | $3,093+57.8% | $3,885+25.7% | $4,299+13.6% |
| Admin fee / account holder | $3,904 | $5,686-31.3% | $5,766-32.3% | $6,924-43.6% |