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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 | $57,061-46.5% | $85,063-64.1% | $80,911-62.3% |
| Participation rate | 83.0% | 56.3%+26.7pp | 67.5%+15.5pp | 67.6%+15.4pp |
| Annual return | 15.51% | 21.66%-6.2pp | 66.54%-51.0pp | 35.63%-20.1pp |
| Employer contribution / active EE | $2,204 | $1,799+22.5% | $2,727-19.2% | $2,756-20.0% |
| Participant deferral / active EE | $4,881 | $3,110+56.9% | $4,523+7.9% | $4,297+13.6% |
| Admin fee / account holder | $1,909 | $4,986-61.7% | $6,155-69.0% | $6,935-72.5% |