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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 | $81,233-60.8% | $155,567-79.5% | $80,874-60.6% |
| Participation rate | 92.8% | 66.2%+26.5pp | 78.2%+14.6pp | 67.6%+25.1pp |
| Annual return | 15.90% | 33.33%-17.4pp | 64.74%-48.8pp | 35.62%-19.7pp |
| Employer contribution / active EE | $2,203 | $3,101-28.9% | $4,674-52.9% | $2,756-20.0% |
| Participant deferral / active EE | $3,986 | $3,452+15.5% | $5,628-29.2% | $4,297-7.2% |
| Admin fee / account holder | $3,926 | $7,998-50.9% | $15,916-75.3% | $6,935-43.4% |