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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 | $40,360 | $49,791-18.9% | $78,210-48.4% | $70,126-42.4% |
| Participation rate | 92.6% | 62.3%+30.3pp | 68.7%+23.9pp | 69.5%+23.1pp |
| Annual return | 18.53% | 20.75%-2.2pp | 40.90%-22.4pp | 73.15%-54.6pp |
| Employer contribution / active EE | $1,848 | $1,430+29.3% | $2,034-9.1% | $2,343-21.1% |
| Participant deferral / active EE | $2,547 | $2,150+18.5% | $2,823-9.8% | $3,332-23.5% |
| Admin fee / account holder | $2,712 | $3,181-14.7% | $3,758-27.8% | $4,645-41.6% |