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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 | $43,678 | $63,809-31.5% | $81,353-46.3% | $80,935-46.0% |
| Participation rate | 98.7% | 63.9%+34.8pp | 69.5%+29.1pp | 67.7%+31.0pp |
| Annual return | 12.87% | 16.37%-3.5pp | 24.82%-11.9pp | 35.66%-22.8pp |
| Employer contribution / active EE | $1,922 | $1,981-3.0% | $2,464-22.0% | $2,757-30.3% |
| Participant deferral / active EE | $3,459 | $3,093+11.8% | $3,885-11.0% | $4,299-19.5% |
| Admin fee / account holder | $7,438 | $5,686+30.8% | $5,766+29.0% | $6,924+7.4% |