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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 | $29,991 | $67,602-55.6% | $82,312-63.6% | $70,126-57.2% |
| Participation rate | 87.7% | 72.8%+14.9pp | 76.9%+10.8pp | 69.5%+18.1pp |
| Annual return | 24.69% | 21.57%+3.1pp | 25.88%-1.2pp | 73.15%-48.5pp |
| Employer contribution / active EE | $1,926 | $1,755+9.7% | $2,428-20.7% | $2,343-17.8% |
| Participant deferral / active EE | $3,467 | $2,987+16.0% | $3,706-6.5% | $3,332+4.0% |
| Admin fee / account holder | $2,909 | $4,512-35.5% | $5,608-48.1% | $4,645-37.4% |