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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 | $37,710 | $54,541-30.9% | $78,778-52.1% | $70,126-46.2% |
| Participation rate | 83.3% | 60.8%+22.5pp | 69.2%+14.1pp | 69.5%+13.8pp |
| Annual return | 14.56% | 21.07%-6.5pp | 35.62%-21.1pp | 73.15%-58.6pp |
| Employer contribution / active EE | $2,450 | $1,089+125.1% | $1,986+23.4% | $2,343+4.6% |
| Participant deferral / active EE | $1,692 | $2,210-23.4% | $2,958-42.8% | $3,332-49.2% |
| Admin fee / account holder | $4,480 | $3,709+20.8% | $5,134-12.7% | $4,645-3.6% |