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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 | $39,113 | $81,358-51.9% | $155,556-74.9% | $80,959-51.7% |
| Participation rate | 97.7% | 66.3%+31.5pp | 78.2%+19.5pp | 67.7%+30.1pp |
| Annual return | 11.96% | 33.39%-21.4pp | 64.84%-52.9pp | 35.67%-23.7pp |
| Employer contribution / active EE | $2,329 | $3,106-25.0% | $4,675-50.2% | $2,757-15.5% |
| Participant deferral / active EE | $2,978 | $3,455-13.8% | $5,631-47.1% | $4,300-30.8% |
| Admin fee / account holder | $1,048 | $7,994-86.9% | $15,885-93.4% | $6,925-84.9% |