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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 | $55,247 | $56,894-2.9% | $84,753-34.8% | $62,881-12.1% |
| Participation rate | 97.1% | 68.5%+28.6pp | 76.6%+20.5pp | 69.3%+27.8pp |
| Annual return | 7.58% | 6.30%+1.3pp | 22.78%-15.2pp | 20.14%-12.6pp |
| Employer contribution / active EE | $2,429 | $2,400+1.2% | $3,574-32.0% | $2,281+6.5% |
| Participant deferral / active EE | $3,902 | $2,709+44.0% | $3,712+5.1% | $3,203+21.8% |
| Admin fee / account holder | $1,627 | $3,581-54.6% | $5,333-69.5% | $4,296-62.1% |