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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 | $43,348 | $91,198-52.5% | $178,503-75.7% | $79,856-45.7% |
| Participation rate | 93.5% | 69.2%+24.3pp | 81.9%+11.6pp | 69.6%+23.9pp |
| Annual return | 17.01% | 24.20%-7.2pp | 151.12%-134.1pp | 31.71%-14.7pp |
| Employer contribution / active EE | $3,310 | $3,257+1.7% | $5,011-33.9% | $2,471+34.0% |
| Participant deferral / active EE | $4,210 | $3,237+30.1% | $5,202-19.1% | $3,741+12.5% |
| Admin fee / account holder | $2,147 | $6,748-68.2% | $13,987-84.7% | $5,306-59.5% |