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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 | $41,312 | $47,848-13.7% | $81,473-49.3% | $70,126-41.1% |
| Participation rate | 82.3% | 58.3%+24.0pp | 68.0%+14.3pp | 69.5%+12.7pp |
| Annual return | 18.50% | 27.25%-8.8pp | 38.78%-20.3pp | 73.15%-54.7pp |
| Employer contribution / active EE | $2,566 | $1,527+68.1% | $2,568-0.1% | $2,343+9.6% |
| Participant deferral / active EE | $2,254 | $2,453-8.1% | $3,537-36.3% | $3,332-32.3% |
| Admin fee / account holder | $4,096 | $3,145+30.3% | $4,561-10.2% | $4,645-11.8% |