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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 | $56,383 | $77,896-27.6% | $134,172-58.0% | $82,448-31.6% |
| Participation rate | 98.0% | 62.8%+35.2pp | 72.5%+25.5pp | 68.1%+29.9pp |
| Annual return | 14.28% | 18.21%-3.9pp | 25.30%-11.0pp | 41.64%-27.4pp |
| Employer contribution / active EE | $2,452 | $2,159+13.6% | $3,420-28.3% | $2,551-3.9% |
| Participant deferral / active EE | $3,354 | $3,162+6.1% | $4,690-28.5% | $4,139-19.0% |
| Admin fee / account holder | $1,317 | $6,336-79.2% | $12,016-89.0% | $7,234-81.8% |