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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 | $48,386 | $86,940-44.3% | $102,434-52.8% | $80,935-40.2% |
| Participation rate | 82.7% | 72.4%+10.3pp | 76.5%+6.2pp | 67.7%+15.0pp |
| Annual return | 13.08% | 18.89%-5.8pp | 29.46%-16.4pp | 35.66%-22.6pp |
| Employer contribution / active EE | $1,722 | $2,370-27.3% | $3,023-43.0% | $2,757-37.5% |
| Participant deferral / active EE | $4,463 | $4,121+8.3% | $5,055-11.7% | $4,299+3.8% |
| Admin fee / account holder | $1,115 | $8,047-86.1% | $9,462-88.2% | $6,924-83.9% |