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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 | $35,395 | $106,749-66.8% | $145,433-75.7% | $82,448-57.1% |
| Participation rate | 84.4% | 75.6%+8.7pp | 82.1%+2.3pp | 68.1%+16.3pp |
| Annual return | 20.98% | 27.59%-6.6pp | 66.58%-45.6pp | 41.64%-20.7pp |
| Employer contribution / active EE | $2,002 | $3,444-41.9% | $4,554-56.0% | $2,551-21.5% |
| Participant deferral / active EE | $3,810 | $6,519-41.6% | $7,897-51.8% | $4,139-8.0% |
| Admin fee / account holder | $502 | $8,390-94.0% | $13,129-96.2% | $7,234-93.1% |