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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 | $41,680 | $68,880-39.5% | $120,580-65.4% | $80,959-48.5% |
| Participation rate | 78.3% | 61.7%+16.6pp | 72.0%+6.4pp | 67.7%+10.6pp |
| Annual return | 14.50% | 23.68%-9.2pp | 107.48%-93.0pp | 35.67%-21.2pp |
| Employer contribution / active EE | $2,253 | $2,066+9.0% | $3,469-35.1% | $2,757-18.3% |
| Participant deferral / active EE | $4,385 | $3,191+37.4% | $4,995-12.2% | $4,300+2.0% |
| Admin fee / account holder | $5,899 | $5,785+2.0% | $9,418-37.4% | $6,925-14.8% |