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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 | $56,870 | $67,602-15.9% | $82,312-30.9% | $70,126-18.9% |
| Participation rate | 82.4% | 72.8%+9.6pp | 76.9%+5.5pp | 69.5%+12.8pp |
| Annual return | 17.65% | 21.57%-3.9pp | 25.88%-8.2pp | 73.15%-55.5pp |
| Employer contribution / active EE | $1,837 | $1,755+4.7% | $2,428-24.4% | $2,343-21.6% |
| Participant deferral / active EE | $2,935 | $2,987-1.7% | $3,706-20.8% | $3,332-11.9% |
| Admin fee / account holder | $1,527 | $4,512-66.1% | $5,608-72.8% | $4,645-67.1% |