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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 | $56,908 | $81,276-30.0% | $155,574-63.4% | $80,925-29.7% |
| Participation rate | 83.7% | 66.2%+17.4pp | 78.2%+5.5pp | 67.7%+16.0pp |
| Annual return | 13.68% | 33.36%-19.7pp | 64.87%-51.2pp | 35.65%-22.0pp |
| Employer contribution / active EE | $2,849 | $3,103-8.2% | $4,676-39.1% | $2,756+3.4% |
| Participant deferral / active EE | $3,659 | $3,453+6.0% | $5,629-35.0% | $4,299-14.9% |
| Admin fee / account holder | $2,163 | $7,993-72.9% | $15,914-86.4% | $6,940-68.8% |