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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 | $44,027 | $54,541-19.3% | $78,778-44.1% | $70,126-37.2% |
| Participation rate | 86.7% | 60.8%+25.9pp | 69.2%+17.5pp | 69.5%+17.1pp |
| Annual return | 14.02% | 21.07%-7.1pp | 35.62%-21.6pp | 73.15%-59.1pp |
| Employer contribution / active EE | $1,551 | $1,089+42.5% | $1,986-21.9% | $2,343-33.8% |
| Participant deferral / active EE | $2,766 | $2,210+25.1% | $2,958-6.5% | $3,332-17.0% |
| Admin fee / account holder | $4,223 | $3,709+13.9% | $5,134-17.7% | $4,645-9.1% |