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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 | $44,328 | $57,140-22.4% | $85,240-48.0% | $80,959-45.2% |
| Participation rate | 80.0% | 56.4%+23.6pp | 67.5%+12.5pp | 67.7%+12.3pp |
| Annual return | 22.54% | 21.71%+0.8pp | 66.75%-44.2pp | 35.67%-13.1pp |
| Employer contribution / active EE | $2,854 | $1,802+58.4% | $2,735+4.3% | $2,757+3.5% |
| Participant deferral / active EE | $8,003 | $3,115+156.9% | $4,527+76.8% | $4,300+86.1% |
| Admin fee / account holder | $562 | $4,992-88.7% | $6,165-90.9% | $6,925-91.9% |