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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 | $40,496 | $97,648-58.5% | $121,663-66.7% | $87,485-53.7% |
| Participation rate | 92.3% | 70.5%+21.8pp | 74.5%+17.8pp | 68.9%+23.4pp |
| Annual return | 13.55% | 18.03%-4.5pp | 147.54%-134.0pp | 26.06%-12.5pp |
| Employer contribution / active EE | $2,410 | $2,300+4.7% | $3,020-20.2% | $2,596-7.2% |
| Participant deferral / active EE | $5,345 | $3,923+36.3% | $4,887+9.4% | $4,274+25.1% |
| Admin fee / account holder | $495 | $11,100-95.5% | $14,289-96.5% | $7,775-93.6% |