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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 | $44,671 | $58,627-23.8% | $76,735-41.8% | $82,448-45.8% |
| Participation rate | 86.7% | 63.2%+23.4pp | 69.5%+17.2pp | 68.1%+18.6pp |
| Annual return | 17.45% | 39.10%-21.6pp | 29.77%-12.3pp | 41.64%-24.2pp |
| Employer contribution / active EE | $2,455 | $1,729+42.0% | $2,4540% | $2,551-3.7% |
| Participant deferral / active EE | $4,265 | $3,134+36.1% | $4,088+4.3% | $4,139+3.0% |
| Admin fee / account holder | $5,237 | $5,323-1.6% | $7,189-27.2% | $7,234-27.6% |