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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 | $39,861 | $55,902-28.7% | $76,030-47.6% | $80,959-50.8% |
| Participation rate | 86.4% | 62.1%+24.4pp | 69.1%+17.4pp | 67.7%+18.8pp |
| Annual return | 10.32% | 20.59%-10.3pp | 361.54%-351.2pp | 35.67%-25.4pp |
| Employer contribution / active EE | $2,026 | $1,867+8.5% | $2,688-24.6% | $2,757-26.5% |
| Participant deferral / active EE | $5,501 | $3,051+80.3% | $4,257+29.2% | $4,300+27.9% |
| Admin fee / account holder | $1,955 | $5,239-62.7% | $6,421-69.5% | $6,925-71.8% |