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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 | $41,869 | $87,166-52.0% | $76,735-45.4% | $137,256-69.5% |
| Participation rate | 90.9% | 74.4%+16.6pp | 69.5%+21.4pp | 80.0%+10.9pp |
| Annual return | 15.53% | 26.50%-11.0pp | 29.77%-14.2pp | 220.34%-204.8pp |
| Employer contribution / active EE | $3,571 | $2,904+22.9% | $2,454+45.5% | $4,156-14.1% |
| Participant deferral / active EE | $7,515 | $4,726+59.0% | $4,088+83.8% | $6,407+17.3% |
| Admin fee / account holder | $1,450 | $8,403-82.7% | $7,189-79.8% | $12,270-88.2% |