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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 | $68,852-42.5% | $120,524-67.2% | $80,925-51.1% |
| Participation rate | 96.2% | 61.6%+34.6pp | 71.9%+24.3pp | 67.7%+28.5pp |
| Annual return | 10.45% | 23.67%-13.2pp | 107.36%-96.9pp | 35.65%-25.2pp |
| Employer contribution / active EE | $2,733 | $2,063+32.5% | $3,469-21.2% | $2,756-0.8% |
| Participant deferral / active EE | $5,430 | $3,187+70.4% | $4,994+8.7% | $4,299+26.3% |
| Admin fee / account holder | $2,075 | $5,781-64.1% | $9,440-78.0% | $6,940-70.1% |