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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 | $86,940-44.4% | $102,434-52.8% | $80,935-40.3% |
| Participation rate | 78.6% | 72.4%+6.2pp | 76.5%+2.1pp | 67.7%+10.9pp |
| Annual return | 17.90% | 18.89%-1.0pp | 29.46%-11.6pp | 35.66%-17.8pp |
| Employer contribution / active EE | $2,295 | $2,370-3.1% | $3,023-24.1% | $2,757-16.7% |
| Participant deferral / active EE | $4,001 | $4,121-2.9% | $5,055-20.8% | $4,299-6.9% |
| Admin fee / account holder | $3,255 | $8,047-59.6% | $9,462-65.6% | $6,924-53.0% |