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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 | $38,833 | $54,541-28.8% | $78,778-50.7% | $70,124-44.6% |
| Participation rate | 91.2% | 60.8%+30.4pp | 69.2%+22.0pp | 69.5%+21.6pp |
| Annual return | 14.17% | 21.07%-6.9pp | 35.62%-21.5pp | 73.14%-59.0pp |
| Employer contribution / active EE | $1,124 | $1,089+3.3% | $1,986-43.4% | $2,342-52.0% |
| Participant deferral / active EE | $2,379 | $2,210+7.7% | $2,958-19.6% | $3,332-28.6% |
| Admin fee / account holder | $523 | $3,709-85.9% | $5,134-89.8% | $4,645-88.7% |