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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 | $41,671 | $86,949-52.1% | $102,460-59.3% | $80,959-48.5% |
| Participation rate | 93.1% | 72.4%+20.7pp | 76.5%+16.6pp | 67.7%+25.4pp |
| Annual return | 10.46% | 18.89%-8.4pp | 29.47%-19.0pp | 35.67%-25.2pp |
| Employer contribution / active EE | $1,982 | $2,370-16.3% | $3,025-34.5% | $2,757-28.1% |
| Participant deferral / active EE | $3,340 | $4,121-18.9% | $5,056-33.9% | $4,300-22.3% |
| Admin fee / account holder | $11,546 | $8,048+43.5% | $9,460+22.1% | $6,925+66.7% |