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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 | $81,262-43.8% | $155,602-70.6% | $80,911-43.5% |
| Participation rate | 92.5% | 66.2%+26.3pp | 78.2%+14.3pp | 67.6%+24.9pp |
| Annual return | 14.88% | 33.34%-18.5pp | 64.81%-49.9pp | 35.63%-20.7pp |
| Employer contribution / active EE | $1,810 | $3,102-41.6% | $4,675-61.3% | $2,756-34.3% |
| Participant deferral / active EE | $4,304 | $3,451+24.7% | $5,629-23.5% | $4,297+0.2% |
| Admin fee / account holder | $4,615 | $7,992-42.3% | $15,923-71.0% | $6,935-33.5% |