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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 | $41,803 | $87,106-52.0% | $105,607-60.4% | $80,935-48.3% |
| Participation rate | 94.6% | 70.4%+24.2pp | 75.3%+19.3pp | 67.7%+26.9pp |
| Annual return | 12.22% | 17.01%-4.8pp | 116.11%-103.9pp | 35.66%-23.4pp |
| Employer contribution / active EE | $2,001 | $2,396-16.5% | $3,167-36.8% | $2,757-27.4% |
| Participant deferral / active EE | $5,219 | $3,986+30.9% | $5,011+4.1% | $4,299+21.4% |
| Admin fee / account holder | $10,032 | $8,447+18.8% | $10,958-8.5% | $6,924+44.9% |