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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 | $43,254 | $54,541-20.7% | $78,778-45.1% | $70,124-38.3% |
| Participation rate | 84.4% | 60.8%+23.6pp | 69.2%+15.2pp | 69.5%+14.8pp |
| Annual return | 14.15% | 21.07%-6.9pp | 35.62%-21.5pp | 73.14%-59.0pp |
| Employer contribution / active EE | $352 | $1,089-67.7% | $1,986-82.3% | $2,342-85.0% |
| Participant deferral / active EE | $2,175 | $2,210-1.6% | $2,958-26.5% | $3,332-34.7% |
| Admin fee / account holder | $4,600 | $3,709+24.0% | $5,134-10.4% | $4,645-1.0% |