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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 | $24,172 | $52,306-53.8% | $69,779-65.4% | $62,881-61.6% |
| Participation rate | 92.9% | 67.2%+25.6pp | 71.8%+21.0pp | 69.3%+23.6pp |
| Annual return | 5.76% | 13.35%-7.6pp | 12.99%-7.2pp | 20.14%-14.4pp |
| Employer contribution / active EE | $1,740 | $1,799-3.3% | $2,338-25.6% | $2,281-23.7% |
| Participant deferral / active EE | $1,561 | $2,395-34.8% | $2,931-46.7% | $3,203-51.3% |
| Admin fee / account holder | $4,487 | $3,691+21.6% | $4,381+2.4% | $4,296+4.4% |