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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 | $44,076 | $81,358-45.8% | $155,556-71.7% | $80,959-45.6% |
| Participation rate | 97.2% | 66.3%+31.0pp | 78.2%+19.0pp | 67.7%+29.6pp |
| Annual return | 11.92% | 33.39%-21.5pp | 64.84%-52.9pp | 35.67%-23.7pp |
| Employer contribution / active EE | $1,919 | $3,106-38.2% | $4,675-59.0% | $2,757-30.4% |
| Participant deferral / active EE | $3,412 | $3,455-1.3% | $5,631-39.4% | $4,300-20.7% |
| Admin fee / account holder | $3,383 | $7,994-57.7% | $15,885-78.7% | $6,925-51.2% |