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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 | $52,248 | $58,627-10.9% | $76,735-31.9% | $82,448-36.6% |
| Participation rate | 91.8% | 63.2%+28.6pp | 69.5%+22.3pp | 68.1%+23.8pp |
| Annual return | 15.62% | 39.10%-23.5pp | 29.77%-14.1pp | 41.64%-26.0pp |
| Employer contribution / active EE | $2,449 | $1,729+41.6% | $2,454-0.2% | $2,551-4.0% |
| Participant deferral / active EE | $4,014 | $3,134+28.1% | $4,088-1.8% | $4,139-3.0% |
| Admin fee / account holder | $2,553 | $5,323-52.0% | $7,189-64.5% | $7,234-64.7% |