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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 | $46,773 | $67,602-30.8% | $82,312-43.2% | $70,126-33.3% |
| Participation rate | 83.1% | 72.8%+10.4pp | 76.9%+6.3pp | 69.5%+13.6pp |
| Annual return | 18.41% | 21.57%-3.2pp | 25.88%-7.5pp | 73.15%-54.7pp |
| Employer contribution / active EE | $1,901 | $1,755+8.3% | $2,428-21.7% | $2,343-18.8% |
| Participant deferral / active EE | $2,866 | $2,987-4.1% | $3,706-22.7% | $3,332-14.0% |
| Admin fee / account holder | $1,184 | $4,512-73.8% | $5,608-78.9% | $4,645-74.5% |