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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 | $46,011 | $63,773-27.9% | $81,286-43.4% | $80,925-43.1% |
| Participation rate | 97.6% | 63.9%+33.7pp | 69.5%+28.1pp | 67.7%+30.0pp |
| Annual return | 13.68% | 16.37%-2.7pp | 24.80%-11.1pp | 35.65%-22.0pp |
| Employer contribution / active EE | $2,164 | $1,979+9.3% | $2,463-12.1% | $2,756-21.5% |
| Participant deferral / active EE | $5,361 | $3,093+73.3% | $3,883+38.1% | $4,299+24.7% |
| Admin fee / account holder | $2,467 | $5,682-56.6% | $5,764-57.2% | $6,940-64.5% |