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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 | $55,930-28.7% | $76,089-47.6% | $80,925-50.7% |
| Participation rate | 86.4% | 62.1%+24.4pp | 69.1%+17.3pp | 67.7%+18.8pp |
| Annual return | 10.32% | 20.58%-10.3pp | 360.94%-350.6pp | 35.65%-25.3pp |
| Employer contribution / active EE | $2,026 | $1,866+8.5% | $2,690-24.7% | $2,756-26.5% |
| Participant deferral / active EE | $5,501 | $3,051+80.3% | $4,259+29.2% | $4,299+28.0% |
| Admin fee / account holder | $1,955 | $5,241-62.7% | $6,418-69.5% | $6,940-71.8% |