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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 | $57,073-28.8% | $85,126-52.3% | $80,925-49.8% |
| Participation rate | 79.8% | 56.4%+23.4pp | 67.5%+12.3pp | 67.7%+12.1pp |
| Annual return | 14.91% | 21.69%-6.8pp | 66.63%-51.7pp | 35.65%-20.7pp |
| Employer contribution / active EE | $2,009 | $1,801+11.6% | $2,731-26.4% | $2,756-27.1% |
| Participant deferral / active EE | $3,180 | $3,113+2.2% | $4,523-29.7% | $4,299-26.0% |
| Admin fee / account holder | $1,567 | $4,988-68.6% | $6,160-74.6% | $6,940-77.4% |