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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 | $63,845-26.7% | $81,370-42.5% | $80,959-42.2% |
| Participation rate | 72.0% | 63.9%+8.1pp | 69.5%+2.5pp | 67.7%+4.3pp |
| Annual return | 17.32% | 16.37%+0.9pp | 24.85%-7.5pp | 35.67%-18.4pp |
| Employer contribution / active EE | $2,091 | $1,980+5.6% | $2,464-15.1% | $2,757-24.2% |
| Participant deferral / active EE | $4,351 | $3,093+40.7% | $3,885+12.0% | $4,300+1.2% |
| Admin fee / account holder | $2,226 | $5,688-60.9% | $5,749-61.3% | $6,925-67.9% |