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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 | $35,596 | $67,602-47.3% | $82,312-56.8% | $70,126-49.2% |
| Participation rate | 91.9% | 72.8%+19.1pp | 76.9%+15.0pp | 69.5%+22.4pp |
| Annual return | 16.74% | 21.57%-4.8pp | 25.88%-9.1pp | 73.15%-56.4pp |
| Employer contribution / active EE | $1,693 | $1,755-3.5% | $2,428-30.3% | $2,343-27.7% |
| Participant deferral / active EE | $3,484 | $2,987+16.6% | $3,706-6.0% | $3,332+4.6% |
| Admin fee / account holder | $417 | $4,512-90.8% | $5,608-92.6% | $4,645-91.0% |