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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 | $40,768 | $58,627-30.5% | $76,735-46.9% | $82,448-50.6% |
| Participation rate | 90.6% | 63.2%+27.4pp | 69.5%+21.1pp | 68.1%+22.6pp |
| Annual return | 14.04% | 39.10%-25.1pp | 29.77%-15.7pp | 41.64%-27.6pp |
| Employer contribution / active EE | $1,462 | $1,729-15.5% | $2,454-40.4% | $2,551-42.7% |
| Participant deferral / active EE | $3,832 | $3,134+22.3% | $4,088-6.3% | $4,139-7.4% |
| Admin fee / account holder | $2,851 | $5,323-46.4% | $7,189-60.4% | $7,234-60.6% |