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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 | $81,358-60.9% | $155,556-79.5% | $80,959-60.7% |
| Participation rate | 92.8% | 66.3%+26.5pp | 78.2%+14.5pp | 67.7%+25.1pp |
| Annual return | 15.90% | 33.39%-17.5pp | 64.84%-48.9pp | 35.67%-19.8pp |
| Employer contribution / active EE | $2,203 | $3,106-29.1% | $4,675-52.9% | $2,757-20.1% |
| Participant deferral / active EE | $3,986 | $3,455+15.4% | $5,631-29.2% | $4,300-7.3% |
| Admin fee / account holder | $3,926 | $7,994-50.9% | $15,885-75.3% | $6,925-43.3% |