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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 | $34,871 | $98,776-64.7% | $149,745-76.7% | $79,856-56.3% |
| Participation rate | 94.7% | 75.8%+18.9pp | 82.5%+12.3pp | 69.6%+25.1pp |
| Annual return | 23.91% | 27.38%-3.5pp | 276.72%-252.8pp | 31.71%-7.8pp |
| Employer contribution / active EE | $1,876 | $3,217-41.7% | $4,646-59.6% | $2,471-24.1% |
| Participant deferral / active EE | $4,205 | $5,681-26.0% | $6,843-38.5% | $3,741+12.4% |
| Admin fee / account holder | $1,183 | $6,053-80.5% | $9,312-87.3% | $5,306-77.7% |