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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 | $44,529 | $63,082-29.4% | $81,726-45.5% | $79,856-44.2% |
| Participation rate | 77.6% | 67.5%+10.0pp | 72.0%+5.5pp | 69.6%+7.9pp |
| Annual return | 15.63% | 22.66%-7.0pp | 29.49%-13.9pp | 31.71%-16.1pp |
| Employer contribution / active EE | $2,825 | $1,795+57.3% | $4,311-34.5% | $2,471+14.3% |
| Participant deferral / active EE | $6,005 | $2,780+116.0% | $7,108-15.5% | $3,741+60.5% |
| Admin fee / account holder | $2,044 | $4,428-53.8% | $5,160-60.4% | $5,306-61.5% |