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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 | $46,779 | $80,985-42.2% | $96,576-51.6% | $75,181-37.8% |
| Participation rate | 87.1% | 71.8%+15.4pp | 76.0%+11.2pp | 67.2%+19.9pp |
| Annual return | 15.05% | 27.05%-12.0pp | 25.87%-10.8pp | 160.69%-145.6pp |
| Employer contribution / active EE | $4,070 | $2,282+78.3% | $2,965+37.3% | $2,671+52.4% |
| Participant deferral / active EE | $6,425 | $3,929+63.5% | $4,851+32.4% | $4,126+55.7% |
| Admin fee / account holder | $4,677 | $6,719-30.4% | $8,253-43.3% | $5,650-17.2% |