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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 | $28,245 | $73,787-61.7% | $98,716-71.4% | $82,448-65.7% |
| Participation rate | 81.3% | 61.4%+19.8pp | 69.3%+12.0pp | 68.1%+13.2pp |
| Annual return | 14.53% | 18.57%-4.0pp | 31.81%-17.3pp | 41.64%-27.1pp |
| Employer contribution / active EE | $2,132 | $1,511+41.0% | $2,279-6.5% | $2,551-16.4% |
| Participant deferral / active EE | $2,184 | $3,081-29.1% | $4,048-46.1% | $4,139-47.2% |
| Admin fee / account holder | $531 | $6,500-91.8% | $8,703-93.9% | $7,234-92.7% |