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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 | $56,742 | $69,444-18.3% | $92,985-39.0% | $87,485-35.1% |
| Participation rate | 96.9% | 63.3%+33.6pp | 69.5%+27.4pp | 68.9%+27.9pp |
| Annual return | 15.68% | 23.85%-8.2pp | 27.99%-12.3pp | 26.06%-10.4pp |
| Employer contribution / active EE | $2,028 | $1,917+5.8% | $2,662-23.8% | $2,596-21.9% |
| Participant deferral / active EE | $4,033 | $3,364+19.9% | $4,377-7.8% | $4,274-5.6% |
| Admin fee / account holder | $1,365 | $6,137-77.8% | $9,463-85.6% | $7,775-82.4% |