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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 | $42,012 | $81,446-48.4% | $103,374-59.4% | $80,874-48.1% |
| Participation rate | 80.7% | 66.9%+13.9pp | 74.5%+6.2pp | 67.6%+13.1pp |
| Annual return | 12.52% | 25.57%-13.0pp | 24.89%-12.4pp | 35.62%-23.1pp |
| Employer contribution / active EE | $2,918 | $3,107-6.1% | $3,869-24.6% | $2,756+5.9% |
| Participant deferral / active EE | $3,958 | $3,870+2.3% | $5,058-21.7% | $4,297-7.9% |
| Admin fee / account holder | $3,166 | $6,715-52.8% | $8,394-62.3% | $6,935-54.3% |