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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 | $38,493 | $48,078-19.9% | $78,676-51.1% | $62,881-38.8% |
| Participation rate | 97.1% | 65.2%+31.9pp | 73.6%+23.5pp | 69.3%+27.8pp |
| Annual return | 8.28% | 31.36%-23.1pp | 62.19%-53.9pp | 20.14%-11.9pp |
| Employer contribution / active EE | $8,571 | $2,015+325.5% | $2,850+200.7% | $2,281+275.8% |
| Participant deferral / active EE | $3,551 | $2,587+37.3% | $3,517+1.0% | $3,203+10.9% |
| Admin fee / account holder | $2,909 | $3,206-9.3% | $4,510-35.5% | $4,296-32.3% |