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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 | $44,580 | $72,486-38.5% | $87,103-48.8% | $72,976-38.9% |
| Participation rate | 94.1% | 72.8%+21.3pp | 76.9%+17.2pp | 69.5%+24.6pp |
| Annual return | 17.79% | 24.46%-6.7pp | 28.19%-10.4pp | 81.02%-63.2pp |
| Employer contribution / active EE | $3,300 | $1,894+74.3% | $2,521+30.9% | $2,440+35.3% |
| Participant deferral / active EE | $2,334 | $3,270-28.6% | $4,049-42.3% | $3,608-35.3% |
| Admin fee / account holder | $5,519 | $5,055+9.2% | $7,491-26.3% | $5,124+7.7% |