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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 | $59,440-31.4% | $78,004-47.7% | $82,637-50.7% |
| Participation rate | 90.6% | 62.8%+27.8pp | 69.4%+21.2pp | 68.1%+22.6pp |
| Annual return | 14.04% | 40.24%-26.2pp | 31.07%-17.0pp | 53.51%-39.5pp |
| Employer contribution / active EE | $1,462 | $1,750-16.5% | $2,469-40.8% | $2,552-42.7% |
| Participant deferral / active EE | $3,832 | $3,138+22.1% | $4,092-6.3% | $4,126-7.1% |
| Admin fee / account holder | $2,851 | $5,504-48.2% | $7,578-62.4% | $7,339-61.2% |