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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 | $36,582 | $89,259-59.0% | $107,187-65.9% | $82,637-55.7% |
| Participation rate | 96.7% | 67.9%+28.7pp | 75.0%+21.6pp | 68.1%+28.6pp |
| Annual return | 16.42% | 21.02%-4.6pp | 204.55%-188.1pp | 53.51%-37.1pp |
| Employer contribution / active EE | $2,240 | $3,080-27.3% | $3,782-40.8% | $2,552-12.2% |
| Participant deferral / active EE | $4,364 | $4,037+8.1% | $5,096-14.4% | $4,126+5.8% |
| Admin fee / account holder | $1,730 | $7,381-76.6% | $9,162-81.1% | $7,339-76.4% |