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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 | $52,615 | $67,602-22.2% | $82,312-36.1% | $70,126-25.0% |
| Participation rate | 80.0% | 72.8%+7.2pp | 76.9%+3.1pp | 69.5%+10.5pp |
| Annual return | 15.28% | 21.57%-6.3pp | 25.88%-10.6pp | 73.15%-57.9pp |
| Employer contribution / active EE | $1,628 | $1,755-7.3% | $2,428-33.0% | $2,343-30.5% |
| Participant deferral / active EE | $2,771 | $2,987-7.2% | $3,706-25.2% | $3,332-16.8% |
| Admin fee / account holder | $1,764 | $4,512-60.9% | $5,608-68.5% | $4,645-62.0% |