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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 | $43,915 | $81,476-46.1% | $102,383-57.1% | $80,925-45.7% |
| Participation rate | 81.4% | 66.8%+14.5pp | 74.5%+6.9pp | 67.7%+13.7pp |
| Annual return | 14.35% | 25.59%-11.2pp | 24.94%-10.6pp | 35.65%-21.3pp |
| Employer contribution / active EE | $1,695 | $3,105-45.4% | $3,870-56.2% | $2,756-38.5% |
| Participant deferral / active EE | $2,381 | $3,871-38.5% | $5,060-52.9% | $4,299-44.6% |
| Admin fee / account holder | $2,254 | $6,717-66.4% | $8,391-73.1% | $6,940-67.5% |