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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 | $35,068 | $93,598-62.5% | $135,974-74.2% | $75,173-53.4% |
| Participation rate | 93.1% | 75.2%+17.9pp | 81.9%+11.1pp | 67.2%+25.9pp |
| Annual return | 20.56% | 30.89%-10.3pp | 68.30%-47.7pp | 160.72%-140.2pp |
| Employer contribution / active EE | $2,427 | $3,538-31.4% | $4,859-50.1% | $2,671-9.1% |
| Participant deferral / active EE | $6,182 | $6,405-3.5% | $7,760-20.3% | $4,126+49.8% |
| Admin fee / account holder | $2,419 | $6,978-65.3% | $10,767-77.5% | $5,651-57.2% |