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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 | $43,031 | $57,590-25.3% | $86,233-50.1% | $82,448-47.8% |
| Participation rate | 77.8% | 57.9%+19.9pp | 69.0%+8.8pp | 68.1%+9.7pp |
| Annual return | 16.99% | 22.41%-5.4pp | 61.39%-44.4pp | 41.64%-24.7pp |
| Employer contribution / active EE | $2,557 | $1,655+54.5% | $2,504+2.1% | $2,551+0.2% |
| Participant deferral / active EE | $6,387 | $3,080+107.4% | $4,559+40.1% | $4,139+54.3% |
| Admin fee / account holder | $23,451 | $4,730+395.7% | $8,342+181.1% | $7,234+224.2% |