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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 | $42,133 | $76,551-45.0% | $123,894-66.0% | $62,881-33.0% |
| Participation rate | 96.2% | 73.0%+23.2pp | 81.4%+14.7pp | 69.3%+26.8pp |
| Annual return | 8.91% | 18.68%-9.8pp | 47.52%-38.6pp | 20.14%-11.2pp |
| Employer contribution / active EE | $1,615 | $2,882-44.0% | $4,617-65.0% | $2,281-29.2% |
| Participant deferral / active EE | $2,862 | $4,840-40.9% | $5,984-52.2% | $3,203-10.6% |
| Admin fee / account holder | $10,174 | $4,826+110.8% | $8,357+21.7% | $4,296+136.8% |