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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 | $37,778 | $51,207-26.2% | $70,565-46.5% | $75,177-49.7% |
| Participation rate | 97.9% | 61.0%+37.0pp | 68.4%+29.6pp | 67.2%+30.7pp |
| Annual return | 18.42% | 30.05%-11.6pp | 32.79%-14.4pp | 160.75%-142.3pp |
| Employer contribution / active EE | $5,399 | $1,826+195.6% | $2,976+81.4% | $2,671+102.1% |
| Participant deferral / active EE | $3,908 | $2,850+37.1% | $4,568-14.4% | $4,126-5.3% |
| Admin fee / account holder | $623 | $4,097-84.8% | $6,430-90.3% | $5,651-89.0% |