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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 | $43,853 | $57,073-23.2% | $85,126-48.5% | $80,925-45.8% |
| Participation rate | 87.9% | 56.4%+31.5pp | 67.5%+20.4pp | 67.7%+20.2pp |
| Annual return | 15.64% | 21.69%-6.1pp | 66.63%-51.0pp | 35.65%-20.0pp |
| Employer contribution / active EE | $2,945 | $1,801+63.5% | $2,731+7.8% | $2,756+6.8% |
| Participant deferral / active EE | $4,102 | $3,113+31.8% | $4,523-9.3% | $4,299-4.6% |
| Admin fee / account holder | $2,102 | $4,988-57.9% | $6,160-65.9% | $6,940-69.7% |