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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 | $41,896 | $89,652-53.3% | $141,177-70.3% | $65,185-35.7% |
| Participation rate | 90.2% | 74.7%+15.5pp | 82.5%+7.8pp | 70.2%+20.0pp |
| Annual return | 28.63% | 32.79%-4.2pp | 71.40%-42.8pp | 29.38%-0.8pp |
| Employer contribution / active EE | $2,335 | $3,065-23.8% | $4,736-50.7% | $2,177+7.3% |
| Participant deferral / active EE | $4,010 | $5,691-29.5% | $6,710-40.2% | $3,514+14.1% |
| Admin fee / account holder | $951 | $569+67.3% | $10,263-90.7% | $847+12.3% |