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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 | $52,336 | $81,276-35.6% | $155,574-66.4% | $80,925-35.3% |
| Participation rate | 98.5% | 66.2%+32.2pp | 78.2%+20.2pp | 67.7%+30.8pp |
| Annual return | 15.26% | 33.36%-18.1pp | 64.87%-49.6pp | 35.65%-20.4pp |
| Employer contribution / active EE | $2,512 | $3,103-19.1% | $4,676-46.3% | $2,756-8.9% |
| Participant deferral / active EE | $3,603 | $3,453+4.4% | $5,629-36.0% | $4,299-16.2% |
| Admin fee / account holder | $861 | $7,993-89.2% | $15,914-94.6% | $6,940-87.6% |