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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 | $39,503 | $54,541-27.6% | $78,778-49.9% | $70,126-43.7% |
| Participation rate | 88.5% | 60.8%+27.7pp | 69.2%+19.3pp | 69.5%+18.9pp |
| Annual return | 13.56% | 21.07%-7.5pp | 35.62%-22.1pp | 73.15%-59.6pp |
| Employer contribution / active EE | $4,330 | $1,089+297.8% | $1,986+118.1% | $2,343+84.8% |
| Participant deferral / active EE | $3,476 | $2,210+57.3% | $2,958+17.5% | $3,332+4.3% |
| Admin fee / account holder | $848 | $3,709-77.1% | $5,134-83.5% | $4,645-81.7% |