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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 | $31,866 | $58,099-45.2% | $76,902-58.6% | $75,177-57.6% |
| Participation rate | 70.5% | 63.9%+6.6pp | 69.6%+0.8pp | 67.2%+3.2pp |
| Annual return | 20.53% | 26.71%-6.2pp | 37.91%-17.4pp | 160.75%-140.2pp |
| Employer contribution / active EE | $4,855 | $1,996+143.3% | $2,534+91.6% | $2,671+81.8% |
| Participant deferral / active EE | $4,778 | $2,999+59.3% | $3,833+24.6% | $4,126+15.8% |
| Admin fee / account holder | $2,825 | $4,778-40.9% | $5,479-48.4% | $5,651-50.0% |