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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 | $79,996 | $108,825-26.5% | $156,181-48.8% | $82,448-3.0% |
| Participation rate | 93.5% | 72.4%+21.2pp | 78.8%+14.7pp | 68.1%+25.5pp |
| Annual return | 15.20% | 20.59%-5.4pp | 64.87%-49.7pp | 41.64%-26.4pp |
| Employer contribution / active EE | $1,242 | $2,870-56.7% | $4,294-71.1% | $2,551-51.3% |
| Participant deferral / active EE | $4,464 | $4,577-2.5% | $6,132-27.2% | $4,139+7.9% |
| Admin fee / account holder | $1,446 | $9,341-84.5% | $14,586-90.1% | $7,234-80.0% |