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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 | $42,646 | $52,678-19.0% | $75,784-43.7% | $59,633-28.5% |
| Participation rate | 73.2% | 67.2%+5.9pp | 75.8%-2.7pp | 68.7%+4.5pp |
| Annual return | 6.16% | 2.95%+3.2pp | 9.68%-3.5pp | 2041.45%-2035.3pp |
| Employer contribution / active EE | $1,746 | $2,193-20.4% | $3,323-47.5% | $2,203-20.7% |
| Participant deferral / active EE | $2,475 | $2,591-4.5% | $3,652-32.2% | $3,192-22.5% |
| Admin fee / account holder | $1,431 | $3,610-60.4% | $5,300-73.0% | $4,297-66.7% |