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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 | $36,282 | $65,367-44.5% | $92,915-61.0% | $72,976-50.3% |
| Participation rate | 89.7% | 68.3%+21.3pp | 76.0%+13.6pp | 69.5%+20.2pp |
| Annual return | 20.85% | 42.11%-21.3pp | 109.45%-88.6pp | 81.02%-60.2pp |
| Employer contribution / active EE | $2,039 | $2,594-21.4% | $3,653-44.2% | $2,440-16.4% |
| Participant deferral / active EE | $3,342 | $3,128+6.8% | $4,238-21.1% | $3,608-7.4% |
| Admin fee / account holder | $525 | $4,251-87.6% | $5,796-90.9% | $5,124-89.8% |