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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 | $36,845 | $57,073-35.4% | $85,126-56.7% | $80,925-54.5% |
| Participation rate | 95.5% | 56.4%+39.1pp | 67.5%+28.0pp | 67.7%+27.9pp |
| Annual return | 12.30% | 21.69%-9.4pp | 66.63%-54.3pp | 35.65%-23.3pp |
| Employer contribution / active EE | $5,483 | $1,801+204.5% | $2,731+100.8% | $2,756+98.9% |
| Participant deferral / active EE | $2,885 | $3,113-7.3% | $4,523-36.2% | $4,299-32.9% |
| Admin fee / account holder | $767 | $4,988-84.6% | $6,160-87.6% | $6,940-89.0% |