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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 | $41,843 | $81,504-48.7% | $102,437-59.2% | $80,959-48.3% |
| Participation rate | 78.7% | 66.9%+11.9pp | 74.5%+4.2pp | 67.7%+11.1pp |
| Annual return | 10.46% | 25.60%-15.1pp | 24.95%-14.5pp | 35.67%-25.2pp |
| Employer contribution / active EE | $3,281 | $3,104+5.7% | $3,871-15.2% | $2,757+19.0% |
| Participant deferral / active EE | $2,787 | $3,871-28.0% | $5,060-44.9% | $4,300-35.2% |
| Admin fee / account holder | $3,472 | $6,719-48.3% | $8,388-58.6% | $6,925-49.9% |