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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 | $39,586 | $68,880-42.5% | $120,580-67.2% | $80,959-51.1% |
| Participation rate | 96.2% | 61.7%+34.5pp | 72.0%+24.2pp | 67.7%+28.5pp |
| Annual return | 10.45% | 23.68%-13.2pp | 107.48%-97.0pp | 35.67%-25.2pp |
| Employer contribution / active EE | $2,733 | $2,066+32.3% | $3,469-21.2% | $2,757-0.9% |
| Participant deferral / active EE | $5,430 | $3,191+70.2% | $4,995+8.7% | $4,300+26.3% |
| Admin fee / account holder | $2,075 | $5,785-64.1% | $9,418-78.0% | $6,925-70.0% |