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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 | $48,232 | $95,453-49.5% | $112,040-57.0% | $82,448-41.5% |
| Participation rate | 75.0% | 72.8%+2.2pp | 76.5%-1.5pp | 68.1%+6.9pp |
| Annual return | 18.21% | 23.92%-5.7pp | 24.52%-6.3pp | 41.64%-23.4pp |
| Employer contribution / active EE | $1,731 | $2,318-25.3% | $2,954-41.4% | $2,551-32.1% |
| Participant deferral / active EE | $3,552 | $4,224-15.9% | $5,098-30.3% | $4,139-14.2% |
| Admin fee / account holder | $3,983 | $9,013-55.8% | $12,098-67.1% | $7,234-44.9% |