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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 | $52,201 | $76,834-32.1% | $108,359-51.8% | $87,485-40.3% |
| Participation rate | 74.3% | 61.7%+12.6pp | 70.1%+4.2pp | 68.9%+5.4pp |
| Annual return | 15.88% | 19.09%-3.2pp | 36.89%-21.0pp | 26.06%-10.2pp |
| Employer contribution / active EE | $1,825 | $1,556+17.2% | $2,399-24.0% | $2,596-29.7% |
| Participant deferral / active EE | $3,671 | $3,100+18.4% | $4,137-11.3% | $4,274-14.1% |
| Admin fee / account holder | $3,297 | $6,537-49.6% | $9,741-66.2% | $7,775-57.6% |