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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 | $33,856 | $57,590-41.2% | $86,233-60.7% | $82,448-58.9% |
| Participation rate | 77.6% | 57.9%+19.7pp | 69.0%+8.6pp | 68.1%+9.5pp |
| Annual return | 17.94% | 22.41%-4.5pp | 61.39%-43.4pp | 41.64%-23.7pp |
| Employer contribution / active EE | $1,998 | $1,655+20.7% | $2,504-20.2% | $2,551-21.7% |
| Participant deferral / active EE | $3,847 | $3,080+24.9% | $4,559-15.6% | $4,139-7.1% |
| Admin fee / account holder | $3,078 | $4,730-34.9% | $8,342-63.1% | $7,234-57.5% |