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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 | $25,403 | $57,073-55.5% | $85,126-70.2% | $80,925-68.6% |
| Participation rate | 72.0% | 56.4%+15.6pp | 67.5%+4.5pp | 67.7%+4.3pp |
| Annual return | 14.41% | 21.69%-7.3pp | 66.63%-52.2pp | 35.65%-21.2pp |
| Employer contribution / active EE | $3,360 | $1,801+86.6% | $2,731+23.0% | $2,756+21.9% |
| Participant deferral / active EE | $5,797 | $3,113+86.2% | $4,523+28.2% | $4,299+34.8% |
| Admin fee / account holder | $2,842 | $4,988-43.0% | $6,160-53.9% | $6,940-59.1% |