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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 | $44,191 | $67,894-34.9% | $89,340-50.5% | $82,448-46.4% |
| Participation rate | 80.0% | 64.0%+16.0pp | 69.6%+10.4pp | 68.1%+11.9pp |
| Annual return | 14.23% | 19.21%-5.0pp | 20.57%-6.3pp | 41.64%-27.4pp |
| Employer contribution / active EE | $1,476 | $1,828-19.3% | $2,231-33.9% | $2,551-42.1% |
| Participant deferral / active EE | $2,003 | $3,072-34.8% | $3,823-47.6% | $4,139-51.6% |
| Admin fee / account holder | $2,098 | $5,723-63.3% | $6,704-68.7% | $7,234-71.0% |