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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 | $27,290 | $81,276-66.4% | $155,574-82.5% | $80,925-66.3% |
| Participation rate | 89.2% | 66.2%+22.9pp | 78.2%+11.0pp | 67.7%+21.5pp |
| Annual return | 11.51% | 33.36%-21.9pp | 64.87%-53.4pp | 35.65%-24.1pp |
| Employer contribution / active EE | $2,503 | $3,103-19.3% | $4,676-46.5% | $2,756-9.2% |
| Participant deferral / active EE | $3,692 | $3,453+6.9% | $5,629-34.4% | $4,299-14.1% |
| Admin fee / account holder | $2,163 | $7,993-72.9% | $15,914-86.4% | $6,940-68.8% |