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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 | $40,432 | $67,606-40.2% | $82,313-50.9% | $70,124-42.3% |
| Participation rate | 95.5% | 72.8%+22.7pp | 76.9%+18.6pp | 69.5%+25.9pp |
| Annual return | 18.54% | 21.57%-3.0pp | 25.88%-7.3pp | 73.14%-54.6pp |
| Employer contribution / active EE | $1,901 | $1,755+8.3% | $2,428-21.7% | $2,342-18.8% |
| Participant deferral / active EE | $2,952 | $2,987-1.2% | $3,706-20.3% | $3,332-11.4% |
| Admin fee / account holder | $851 | $4,512-81.1% | $5,608-84.8% | $4,645-81.7% |