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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 | $56,187 | $73,955-24.0% | $96,520-41.8% | $75,181-25.3% |
| Participation rate | 95.3% | 66.4%+28.9pp | 74.3%+21.0pp | 67.2%+28.2pp |
| Annual return | 17.43% | 26.72%-9.3pp | 35.72%-18.3pp | 160.69%-143.3pp |
| Employer contribution / active EE | $3,137 | $2,930+7.1% | $3,739-16.1% | $2,671+17.5% |
| Participant deferral / active EE | $7,129 | $3,659+94.8% | $4,879+46.1% | $4,126+72.8% |
| Admin fee / account holder | $844 | $5,217-83.8% | $6,733-87.5% | $5,650-85.1% |