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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 | $43,583 | $97,648-55.4% | $121,663-64.2% | $87,485-50.2% |
| Participation rate | 93.2% | 70.5%+22.7pp | 74.5%+18.7pp | 68.9%+24.3pp |
| Annual return | 15.46% | 18.03%-2.6pp | 147.54%-132.1pp | 26.06%-10.6pp |
| Employer contribution / active EE | $3,572 | $2,300+55.3% | $3,020+18.3% | $2,596+37.6% |
| Participant deferral / active EE | $5,513 | $3,923+40.5% | $4,887+12.8% | $4,274+29.0% |
| Admin fee / account holder | $6,612 | $11,100-40.4% | $14,289-53.7% | $7,775-15.0% |