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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 | $28,390 | $81,457-65.1% | $103,378-72.5% | $80,911-64.9% |
| Participation rate | 88.6% | 66.8%+21.8pp | 74.5%+14.1pp | 67.6%+21.0pp |
| Annual return | 12.11% | 25.58%-13.5pp | 24.91%-12.8pp | 35.63%-23.5pp |
| Employer contribution / active EE | $2,026 | $3,107-34.8% | $3,870-47.7% | $2,756-26.5% |
| Participant deferral / active EE | $4,046 | $3,871+4.5% | $5,058-20.0% | $4,297-5.8% |
| Admin fee / account holder | $4,985 | $6,717-25.8% | $8,401-40.7% | $6,935-28.1% |