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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 | $68,852-39.5% | $120,524-65.4% | $80,925-48.5% |
| Participation rate | 78.3% | 61.6%+16.7pp | 71.9%+6.4pp | 67.7%+10.7pp |
| Annual return | 14.50% | 23.67%-9.2pp | 107.36%-92.9pp | 35.65%-21.1pp |
| Employer contribution / active EE | $2,253 | $2,063+9.2% | $3,469-35.0% | $2,756-18.3% |
| Participant deferral / active EE | $4,385 | $3,187+37.6% | $4,994-12.2% | $4,299+2.0% |
| Admin fee / account holder | $5,899 | $5,781+2.1% | $9,440-37.5% | $6,940-15.0% |