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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 | $57,061-35.4% | $85,063-56.7% | $80,911-54.5% |
| Participation rate | 95.5% | 56.3%+39.2pp | 67.5%+28.0pp | 67.6%+27.9pp |
| Annual return | 12.30% | 21.66%-9.4pp | 66.54%-54.2pp | 35.63%-23.3pp |
| Employer contribution / active EE | $5,483 | $1,799+204.8% | $2,727+101.1% | $2,756+99.0% |
| Participant deferral / active EE | $2,885 | $3,110-7.2% | $4,523-36.2% | $4,297-32.9% |
| Admin fee / account holder | $767 | $4,986-84.6% | $6,155-87.5% | $6,935-88.9% |