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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 | $31,833 | $81,276-60.8% | $155,574-79.5% | $80,925-60.7% |
| Participation rate | 92.8% | 66.2%+26.5pp | 78.2%+14.6pp | 67.7%+25.1pp |
| Annual return | 15.90% | 33.36%-17.5pp | 64.87%-49.0pp | 35.65%-19.8pp |
| Employer contribution / active EE | $2,203 | $3,103-29.0% | $4,676-52.9% | $2,756-20.1% |
| Participant deferral / active EE | $3,986 | $3,453+15.4% | $5,629-29.2% | $4,299-7.3% |
| Admin fee / account holder | $3,926 | $7,993-50.9% | $15,914-75.3% | $6,940-43.4% |