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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 | $42,426 | $72,486-41.5% | $87,103-51.3% | $72,976-41.9% |
| Participation rate | 88.2% | 72.8%+15.4pp | 76.9%+11.4pp | 69.5%+18.7pp |
| Annual return | 21.41% | 24.46%-3.1pp | 28.19%-6.8pp | 81.02%-59.6pp |
| Employer contribution / active EE | $1,202 | $1,894-36.5% | $2,521-52.3% | $2,440-50.7% |
| Participant deferral / active EE | $2,650 | $3,270-18.9% | $4,049-34.5% | $3,608-26.5% |
| Admin fee / account holder | $1,887 | $5,055-62.7% | $7,491-74.8% | $5,124-63.2% |