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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 | $34,908 | $58,828-40.7% | $78,002-55.2% | $62,881-44.5% |
| Participation rate | 92.5% | 71.1%+21.4pp | 75.5%+16.9pp | 69.3%+23.2pp |
| Annual return | 9.43% | 17.16%-7.7pp | 425.99%-416.6pp | 20.14%-10.7pp |
| Employer contribution / active EE | $1,780 | $1,672+6.5% | $2,470-28.0% | $2,281-22.0% |
| Participant deferral / active EE | $3,187 | $2,686+18.7% | $3,497-8.9% | $3,203-0.5% |
| Admin fee / account holder | $3,592 | $4,393-18.2% | $5,481-34.5% | $4,296-16.4% |