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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 | $48,313 | $86,919-44.4% | $102,457-52.8% | $80,911-40.3% |
| Participation rate | 78.6% | 72.4%+6.2pp | 76.5%+2.1pp | 67.6%+10.9pp |
| Annual return | 17.90% | 18.90%-1.0pp | 29.41%-11.5pp | 35.63%-17.7pp |
| Employer contribution / active EE | $2,295 | $2,368-3.1% | $3,022-24.1% | $2,756-16.7% |
| Participant deferral / active EE | $4,001 | $4,119-2.9% | $5,054-20.8% | $4,297-6.9% |
| Admin fee / account holder | $3,255 | $8,049-59.6% | $9,451-65.6% | $6,935-53.1% |