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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 | $36,877 | $58,493-37.0% | $84,023-56.1% | $72,976-49.5% |
| Participation rate | 70.0% | 61.2%+8.8pp | 69.0%+1.0pp | 69.5%+0.5pp |
| Annual return | 20.45% | 28.93%-8.5pp | 71.32%-50.9pp | 81.02%-60.6pp |
| Employer contribution / active EE | $1,620 | $1,163+39.3% | $1,984-18.3% | $2,440-33.6% |
| Participant deferral / active EE | $3,574 | $2,394+49.3% | $3,239+10.3% | $3,608-0.9% |
| Admin fee / account holder | $2,549 | $4,569-44.2% | $6,102-58.2% | $5,124-50.2% |