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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 | $29,634 | $81,276-63.5% | $155,574-81.0% | $80,925-63.4% |
| Participation rate | 97.4% | 66.2%+31.2pp | 78.2%+19.2pp | 67.7%+29.8pp |
| Annual return | 13.34% | 33.36%-20.0pp | 64.87%-51.5pp | 35.65%-22.3pp |
| Employer contribution / active EE | $2,886 | $3,103-7.0% | $4,676-38.3% | $2,756+4.7% |
| Participant deferral / active EE | $3,544 | $3,453+2.6% | $5,629-37.0% | $4,299-17.6% |
| Admin fee / account holder | $5,753 | $7,993-28.0% | $15,914-63.8% | $6,940-17.1% |