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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 | $37,086 | $51,202-27.6% | $70,548-47.4% | $75,181-50.7% |
| Participation rate | 84.3% | 61.0%+23.4pp | 68.3%+16.0pp | 67.2%+17.1pp |
| Annual return | 23.70% | 30.05%-6.3pp | 32.78%-9.1pp | 160.69%-137.0pp |
| Employer contribution / active EE | $2,806 | $1,827+53.6% | $2,975-5.7% | $2,671+5.1% |
| Participant deferral / active EE | $6,206 | $2,850+117.8% | $4,567+35.9% | $4,126+50.4% |
| Admin fee / account holder | $652 | $4,094-84.1% | $6,424-89.8% | $5,650-88.5% |