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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 | $81,504-48.5% | $102,437-59.0% | $80,959-48.1% |
| Participation rate | 80.7% | 66.9%+13.9pp | 74.5%+6.2pp | 67.7%+13.0pp |
| Annual return | 12.52% | 25.60%-13.1pp | 24.95%-12.4pp | 35.67%-23.1pp |
| Employer contribution / active EE | $2,918 | $3,104-6.0% | $3,871-24.6% | $2,757+5.8% |
| Participant deferral / active EE | $3,958 | $3,871+2.2% | $5,060-21.8% | $4,300-8.0% |
| Admin fee / account holder | $3,166 | $6,719-52.9% | $8,388-62.3% | $6,925-54.3% |