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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 | $45,685 | $81,358-43.8% | $155,556-70.6% | $80,959-43.6% |
| Participation rate | 92.5% | 66.3%+26.2pp | 78.2%+14.3pp | 67.7%+24.8pp |
| Annual return | 14.88% | 33.39%-18.5pp | 64.84%-50.0pp | 35.67%-20.8pp |
| Employer contribution / active EE | $1,810 | $3,106-41.7% | $4,675-61.3% | $2,757-34.3% |
| Participant deferral / active EE | $4,304 | $3,455+24.6% | $5,631-23.6% | $4,300+0.1% |
| Admin fee / account holder | $4,615 | $7,994-42.3% | $15,885-70.9% | $6,925-33.4% |