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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 | $43,012 | $54,541-21.1% | $78,778-45.4% | $70,126-38.7% |
| Participation rate | 88.0% | 60.8%+27.2pp | 69.2%+18.8pp | 69.5%+18.5pp |
| Annual return | 28.16% | 21.07%+7.1pp | 35.62%-7.5pp | 73.15%-45.0pp |
| Employer contribution / active EE | $1,473 | $1,089+35.4% | $1,986-25.8% | $2,343-37.1% |
| Participant deferral / active EE | $5,183 | $2,210+134.5% | $2,958+75.2% | $3,332+55.6% |
| Admin fee / account holder | $1,788 | $3,709-51.8% | $5,134-65.2% | $4,645-61.5% |