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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 | $40,623 | $57,140-28.9% | $85,240-52.3% | $80,959-49.8% |
| Participation rate | 79.8% | 56.4%+23.4pp | 67.5%+12.2pp | 67.7%+12.1pp |
| Annual return | 14.91% | 21.71%-6.8pp | 66.75%-51.8pp | 35.67%-20.8pp |
| Employer contribution / active EE | $2,009 | $1,802+11.5% | $2,735-26.5% | $2,757-27.1% |
| Participant deferral / active EE | $3,180 | $3,115+2.1% | $4,527-29.8% | $4,300-26.0% |
| Admin fee / account holder | $1,567 | $4,992-68.6% | $6,165-74.6% | $6,925-77.4% |