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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 | $46,807 | $63,773-26.6% | $81,286-42.4% | $80,925-42.2% |
| Participation rate | 72.0% | 63.9%+8.1pp | 69.5%+2.5pp | 67.7%+4.3pp |
| Annual return | 17.32% | 16.37%+0.9pp | 24.80%-7.5pp | 35.65%-18.3pp |
| Employer contribution / active EE | $2,091 | $1,979+5.6% | $2,463-15.1% | $2,756-24.1% |
| Participant deferral / active EE | $4,351 | $3,093+40.7% | $3,883+12.0% | $4,299+1.2% |
| Admin fee / account holder | $2,226 | $5,682-60.8% | $5,764-61.4% | $6,940-67.9% |