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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 | $35,671 | $65,361-45.4% | $92,903-61.6% | $72,983-51.1% |
| Participation rate | 86.0% | 68.3%+17.7pp | 76.0%+10.0pp | 69.5%+16.5pp |
| Annual return | 17.60% | 42.11%-24.5pp | 109.43%-91.8pp | 81.01%-63.4pp |
| Employer contribution / active EE | $1,939 | $2,594-25.3% | $3,653-46.9% | $2,440-20.5% |
| Participant deferral / active EE | $2,675 | $3,128-14.5% | $4,238-36.9% | $3,608-25.8% |
| Admin fee / account holder | $1,243 | $4,251-70.8% | $5,795-78.6% | $5,124-75.8% |