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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 | $53,583 | $81,777-34.5% | $148,496-63.9% | $69,733-23.2% |
| Participation rate | 74.1% | 70.9%+3.2pp | 76.0%-1.9pp | 62.5%+11.7pp |
| Annual return | 17.76% | 14.38%+3.4pp | 12.33%+5.4pp | 15.22%+2.5pp |
| Employer contribution / active EE | $1,446 | $2,488-41.9% | $3,497-58.7% | $2,250-35.7% |
| Participant deferral / active EE | $3,893 | $3,367+15.6% | $4,808-19.0% | $3,054+27.4% |
| Admin fee / account holder | $2,729 | $2,991-8.8% | $19,547-86.0% | $3,102-12.0% |