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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 | $59,440-24.8% | $78,004-42.7% | $82,637-45.9% |
| Participation rate | 86.7% | 62.8%+23.8pp | 69.4%+17.2pp | 68.1%+18.6pp |
| Annual return | 17.45% | 40.24%-22.8pp | 31.07%-13.6pp | 53.51%-36.1pp |
| Employer contribution / active EE | $2,455 | $1,750+40.3% | $2,469-0.5% | $2,552-3.8% |
| Participant deferral / active EE | $4,265 | $3,138+35.9% | $4,092+4.2% | $4,126+3.4% |
| Admin fee / account holder | $5,237 | $5,504-4.9% | $7,578-30.9% | $7,339-28.6% |