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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 | $43,400 | $93,063-53.4% | $153,476-71.7% | $80,911-46.4% |
| Participation rate | 90.5% | 69.0%+21.5pp | 77.1%+13.4pp | 67.6%+22.8pp |
| Annual return | 14.12% | 19.95%-5.8pp | 15.66%-1.5pp | 35.63%-21.5pp |
| Employer contribution / active EE | $2,821 | $3,507-19.6% | $5,038-44.0% | $2,756+2.4% |
| Participant deferral / active EE | $4,575 | $5,180-11.7% | $6,759-32.3% | $4,297+6.5% |
| Admin fee / account holder | $1,906 | $8,891-78.6% | $12,729-85.0% | $6,935-72.5% |