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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 | $69,444-24.8% | $92,985-43.8% | $87,485-40.3% |
| Participation rate | 91.8% | 63.3%+28.6pp | 69.5%+22.3pp | 68.9%+22.9pp |
| Annual return | 15.62% | 23.85%-8.2pp | 27.99%-12.4pp | 26.06%-10.4pp |
| Employer contribution / active EE | $2,449 | $1,917+27.7% | $2,662-8.0% | $2,596-5.7% |
| Participant deferral / active EE | $4,014 | $3,364+19.3% | $4,377-8.3% | $4,274-6.1% |
| Admin fee / account holder | $2,553 | $6,137-58.4% | $9,463-73.0% | $7,775-67.2% |