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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 | $38,872 | $58,848-33.9% | $88,179-55.9% | $82,637-53.0% |
| Participation rate | 94.6% | 57.9%+36.7pp | 69.1%+25.5pp | 68.1%+26.6pp |
| Annual return | 17.08% | 22.76%-5.7pp | 64.97%-47.9pp | 53.51%-36.4pp |
| Employer contribution / active EE | $1,717 | $1,678+2.3% | $2,549-32.7% | $2,552-32.7% |
| Participant deferral / active EE | $3,513 | $3,124+12.5% | $4,614-23.9% | $4,126-14.9% |
| Admin fee / account holder | $1,939 | $4,795-59.6% | $7,673-74.7% | $7,339-73.6% |