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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 | $38,072 | $46,534-18.2% | $64,097-40.6% | $75,177-49.4% |
| Participation rate | 82.7% | 65.9%+16.8pp | 72.3%+10.4pp | 67.2%+15.5pp |
| Annual return | 13.74% | 26.07%-12.3pp | 33.75%-20.0pp | 160.75%-147.0pp |
| Employer contribution / active EE | $2,189 | $1,976+10.8% | $2,750-20.4% | $2,671-18.0% |
| Participant deferral / active EE | $1,495 | $2,835-47.3% | $3,881-61.5% | $4,126-63.8% |
| Admin fee / account holder | $2,873 | $2,957-2.8% | $3,070-6.4% | $5,651-49.2% |