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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 | $29,484 | $74,535-60.4% | $100,712-70.7% | $82,637-64.3% |
| Participation rate | 84.0% | 61.2%+22.8pp | 69.3%+14.7pp | 68.1%+15.9pp |
| Annual return | 17.47% | 18.92%-1.5pp | 33.27%-15.8pp | 53.51%-36.0pp |
| Employer contribution / active EE | $1,393 | $1,503-7.3% | $2,313-39.8% | $2,552-45.4% |
| Participant deferral / active EE | $3,341 | $3,074+8.7% | $4,085-18.2% | $4,126-19.0% |
| Admin fee / account holder | $5,338 | $6,576-18.8% | $9,256-42.3% | $7,339-27.3% |