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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 | $38,041 | $98,776-61.5% | $149,745-74.6% | $79,856-52.4% |
| Participation rate | 94.0% | 75.8%+18.2pp | 82.5%+11.5pp | 69.6%+24.4pp |
| Annual return | 15.43% | 27.38%-11.9pp | 276.72%-261.3pp | 31.71%-16.3pp |
| Employer contribution / active EE | $1,726 | $3,217-46.3% | $4,646-62.8% | $2,471-30.1% |
| Participant deferral / active EE | $2,376 | $5,681-58.2% | $6,843-65.3% | $3,741-36.5% |
| Admin fee / account holder | $1,130 | $6,053-81.3% | $9,312-87.9% | $5,306-78.7% |