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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 | $39,356 | $87,846-55.2% | $220,144-82.1% | $116,462-66.2% |
| Participation rate | 97.2% | 73.5%+23.7pp | 84.8%+12.4pp | 74.7%+22.5pp |
| Annual return | 15.44% | 16.64%-1.2pp | -0.63%+16.1pp | 15.65%-0.2pp |
| Employer contribution / active EE | $2,369 | $2,972-20.3% | $6,623-64.2% | $3,231-26.7% |
| Participant deferral / active EE | $3,944 | $4,087-3.5% | $4,718-16.4% | $3,836+2.8% |
| Admin fee / account holder | $4,983 | $6,782-26.5% | $15,617-68.1% | $12,754-60.9% |