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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 | $35,991 | $72,486-50.3% | $87,103-58.7% | $72,976-50.7% |
| Participation rate | 82.6% | 72.8%+9.8pp | 76.9%+5.7pp | 69.5%+13.1pp |
| Annual return | 17.84% | 24.46%-6.6pp | 28.19%-10.4pp | 81.02%-63.2pp |
| Employer contribution / active EE | $2,245 | $1,894+18.5% | $2,521-11.0% | $2,440-8.0% |
| Participant deferral / active EE | $3,461 | $3,270+5.8% | $4,049-14.5% | $3,608-4.1% |
| Admin fee / account holder | $1,944 | $5,055-61.5% | $7,491-74.1% | $5,124-62.1% |