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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 | $39,734 | $57,140-30.5% | $85,240-53.4% | $80,959-50.9% |
| Participation rate | 94.3% | 56.4%+37.9pp | 67.5%+26.8pp | 67.7%+26.7pp |
| Annual return | 11.01% | 21.71%-10.7pp | 66.75%-55.7pp | 35.67%-24.7pp |
| Employer contribution / active EE | $8,269 | $1,802+358.9% | $2,735+202.3% | $2,757+199.9% |
| Participant deferral / active EE | $4,276 | $3,115+37.3% | $4,527-5.6% | $4,300-0.6% |
| Admin fee / account holder | $2,933 | $4,992-41.2% | $6,165-52.4% | $6,925-57.7% |