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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 | $42,020 | $65,582-35.9% | $64,101-34.4% | $71,511-41.2% |
| Participation rate | 78.1% | 73.2%+4.9pp | 72.3%+5.8pp | 67.9%+10.2pp |
| Annual return | 19.39% | 18.96%+0.4pp | 33.72%-14.3pp | 28.86%-9.5pp |
| Employer contribution / active EE | $1,797 | $2,671-32.7% | $2,749-34.6% | $2,589-30.6% |
| Participant deferral / active EE | $3,422 | $3,628-5.7% | $3,881-11.8% | $4,291-20.2% |
| Admin fee / account holder | $3,692 | $616+498.9% | $3,070+20.2% | $1,588+132.4% |