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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 | $43,486 | $106,749-59.3% | $145,433-70.1% | $82,448-47.3% |
| Participation rate | 92.6% | 75.6%+16.9pp | 82.1%+10.5pp | 68.1%+24.5pp |
| Annual return | 16.96% | 27.59%-10.6pp | 66.58%-49.6pp | 41.64%-24.7pp |
| Employer contribution / active EE | $1,838 | $3,444-46.6% | $4,554-59.6% | $2,551-27.9% |
| Participant deferral / active EE | $5,178 | $6,519-20.6% | $7,897-34.4% | $4,139+25.1% |
| Admin fee / account holder | $2,155 | $8,390-74.3% | $13,129-83.6% | $7,234-70.2% |