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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 | $49,617 | $54,541-9.0% | $78,778-37.0% | $70,126-29.2% |
| Participation rate | 82.1% | 60.8%+21.3pp | 69.2%+13.0pp | 69.5%+12.6pp |
| Annual return | 18.85% | 21.07%-2.2pp | 35.62%-16.8pp | 73.15%-54.3pp |
| Employer contribution / active EE | $1,330 | $1,089+22.2% | $1,986-33.0% | $2,343-43.2% |
| Participant deferral / active EE | $4,770 | $2,210+115.8% | $2,958+61.3% | $3,332+43.2% |
| Admin fee / account holder | $1,081 | $3,709-70.9% | $5,134-78.9% | $4,645-76.7% |