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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 | $30,536 | $57,140-46.6% | $85,240-64.2% | $80,959-62.3% |
| Participation rate | 83.0% | 56.4%+26.6pp | 67.5%+15.5pp | 67.7%+15.4pp |
| Annual return | 15.51% | 21.71%-6.2pp | 66.75%-51.2pp | 35.67%-20.2pp |
| Employer contribution / active EE | $2,204 | $1,802+22.3% | $2,735-19.4% | $2,757-20.1% |
| Participant deferral / active EE | $4,881 | $3,115+56.7% | $4,527+7.8% | $4,300+13.5% |
| Admin fee / account holder | $1,909 | $4,992-61.8% | $6,165-69.0% | $6,925-72.4% |