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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 | $41,793 | $58,627-28.7% | $76,735-45.5% | $82,448-49.3% |
| Participation rate | 75.0% | 63.2%+11.8pp | 69.5%+5.5pp | 68.1%+6.9pp |
| Annual return | 20.84% | 39.10%-18.3pp | 29.77%-8.9pp | 41.64%-20.8pp |
| Employer contribution / active EE | $3,452 | $1,729+99.6% | $2,454+40.7% | $2,551+35.3% |
| Participant deferral / active EE | $5,349 | $3,134+70.7% | $4,088+30.9% | $4,139+29.2% |
| Admin fee / account holder | $3,372 | $5,323-36.7% | $7,189-53.1% | $7,234-53.4% |