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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 | $42,957 | $61,390-30.0% | $112,228-61.7% | $75,177-42.9% |
| Participation rate | 83.9% | 61.6%+22.2pp | 72.4%+11.4pp | 67.2%+16.7pp |
| Annual return | 15.69% | 28.47%-12.8pp | 30.23%-14.5pp | 160.75%-145.1pp |
| Employer contribution / active EE | $2,508 | $2,015+24.5% | $3,432-26.9% | $2,671-6.1% |
| Participant deferral / active EE | $2,707 | $3,108-12.9% | $4,800-43.6% | $4,126-34.4% |
| Admin fee / account holder | $2,602 | $4,862-46.5% | $7,752-66.4% | $5,651-54.0% |