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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 | $31,791 | $87,733-63.8% | $106,555-70.2% | $85,847-63.0% |
| Participation rate | 95.2% | 71.9%+23.3pp | 76.1%+19.1pp | 69.3%+25.9pp |
| Annual return | 12.50% | 21.86%-9.4pp | 26.80%-14.3pp | 318.61%-306.1pp |
| Employer contribution / active EE | $1,999 | $2,073-3.6% | $2,819-29.1% | $2,565-22.1% |
| Participant deferral / active EE | $3,970 | $3,469+14.4% | $4,399-9.7% | $3,952+0.4% |
| Admin fee / account holder | $843 | $6,767-87.5% | $7,408-88.6% | $6,261-86.5% |