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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 | $46,206 | $51,207-9.8% | $70,565-34.5% | $75,177-38.5% |
| Participation rate | 92.9% | 61.0%+31.9pp | 68.4%+24.5pp | 67.2%+25.7pp |
| Annual return | 14.11% | 30.05%-15.9pp | 32.79%-18.7pp | 160.75%-146.6pp |
| Employer contribution / active EE | $2,506 | $1,826+37.2% | $2,976-15.8% | $2,671-6.2% |
| Participant deferral / active EE | $6,232 | $2,850+118.7% | $4,568+36.4% | $4,126+51.0% |
| Admin fee / account holder | $3,444 | $4,097-15.9% | $6,430-46.4% | $5,651-39.1% |