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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 | $28,768 | $51,222-43.8% | $70,544-59.2% | $75,173-61.7% |
| Participation rate | 96.3% | 61.0%+35.3pp | 68.4%+27.9pp | 67.2%+29.1pp |
| Annual return | 20.10% | 30.06%-10.0pp | 32.79%-12.7pp | 160.72%-140.6pp |
| Employer contribution / active EE | $2,053 | $1,827+12.4% | $2,976-31.0% | $2,671-23.1% |
| Participant deferral / active EE | $4,922 | $2,850+72.7% | $4,568+7.7% | $4,126+19.3% |
| Admin fee / account holder | $1,890 | $4,096-53.8% | $6,427-70.6% | $5,651-66.5% |