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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 | $50,284 | $76,371-34.2% | $93,621-46.3% | $72,976-31.1% |
| Participation rate | 88.0% | 71.8%+16.2pp | 75.8%+12.2pp | 69.5%+18.5pp |
| Annual return | 21.80% | 25.82%-4.0pp | 32.76%-11.0pp | 81.02%-59.2pp |
| Employer contribution / active EE | $2,102 | $2,276-7.6% | $2,719-22.7% | $2,440-13.8% |
| Participant deferral / active EE | $3,600 | $3,538+1.7% | $4,070-11.5% | $3,608-0.2% |
| Admin fee / account holder | $2,501 | $6,839-63.4% | $7,890-68.3% | $5,124-51.2% |