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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 | $40,160 | $63,809-37.1% | $81,353-50.6% | $80,935-50.4% |
| Participation rate | 85.7% | 63.9%+21.8pp | 69.5%+16.2pp | 67.7%+18.1pp |
| Annual return | 13.91% | 16.37%-2.5pp | 24.82%-10.9pp | 35.66%-21.7pp |
| Employer contribution / active EE | $3,712 | $1,981+87.4% | $2,464+50.7% | $2,757+34.7% |
| Participant deferral / active EE | $8,397 | $3,093+171.5% | $3,885+116.2% | $4,299+95.3% |
| Admin fee / account holder | $1,045 | $5,686-81.6% | $5,766-81.9% | $6,924-84.9% |