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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 | $43,646 | $58,627-25.6% | $76,735-43.1% | $82,448-47.1% |
| Participation rate | 93.5% | 63.2%+30.3pp | 69.5%+24.0pp | 68.1%+25.5pp |
| Annual return | 17.71% | 39.10%-21.4pp | 29.77%-12.1pp | 41.64%-23.9pp |
| Employer contribution / active EE | $2,534 | $1,729+46.6% | $2,454+3.3% | $2,551-0.7% |
| Participant deferral / active EE | $4,788 | $3,134+52.8% | $4,088+17.1% | $4,139+15.7% |
| Admin fee / account holder | $1,358 | $5,323-74.5% | $7,189-81.1% | $7,234-81.2% |