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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 | $30,543 | $67,602-54.8% | $82,312-62.9% | $70,126-56.4% |
| Participation rate | 87.1% | 72.8%+14.3pp | 76.9%+10.2pp | 69.5%+17.6pp |
| Annual return | 17.93% | 21.57%-3.6pp | 25.88%-7.9pp | 73.15%-55.2pp |
| Employer contribution / active EE | $2,526 | $1,755+43.9% | $2,428+4.0% | $2,343+7.8% |
| Participant deferral / active EE | $2,974 | $2,987-0.4% | $3,706-19.8% | $3,332-10.7% |
| Admin fee / account holder | $500 | $4,512-88.9% | $5,608-91.1% | $4,645-89.2% |