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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 | $41,332 | $67,602-38.9% | $82,312-49.8% | $70,126-41.1% |
| Participation rate | 92.6% | 72.8%+19.8pp | 76.9%+15.7pp | 69.5%+23.1pp |
| Annual return | 17.00% | 21.57%-4.6pp | 25.88%-8.9pp | 73.15%-56.2pp |
| Employer contribution / active EE | $3,236 | $1,755+84.4% | $2,428+33.3% | $2,343+38.1% |
| Participant deferral / active EE | $7,916 | $2,987+165.0% | $3,706+113.6% | $3,332+137.6% |
| Admin fee / account holder | $2,570 | $4,512-43.0% | $5,608-54.2% | $4,645-44.7% |