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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 | $49,349 | $57,119-13.6% | $85,187-42.1% | $80,935-39.0% |
| Participation rate | 81.8% | 56.4%+25.4pp | 67.5%+14.3pp | 67.7%+14.2pp |
| Annual return | 12.10% | 21.70%-9.6pp | 66.67%-54.6pp | 35.66%-23.6pp |
| Employer contribution / active EE | $2,676 | $1,802+48.6% | $2,732-2.1% | $2,757-2.9% |
| Participant deferral / active EE | $6,651 | $3,115+113.5% | $4,525+47.0% | $4,299+54.7% |
| Admin fee / account holder | $716 | $4,990-85.7% | $6,162-88.4% | $6,924-89.7% |