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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 | $35,290 | $51,207-31.1% | $70,565-50.0% | $75,177-53.1% |
| Participation rate | 88.5% | 61.0%+27.5pp | 68.4%+20.1pp | 67.2%+21.3pp |
| Annual return | 18.95% | 30.05%-11.1pp | 32.79%-13.8pp | 160.75%-141.8pp |
| Employer contribution / active EE | $2,406 | $1,826+31.7% | $2,976-19.1% | $2,671-9.9% |
| Participant deferral / active EE | $4,903 | $2,850+72.0% | $4,568+7.3% | $4,126+18.8% |
| Admin fee / account holder | $1,479 | $4,097-63.9% | $6,430-77.0% | $5,651-73.8% |