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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 | $33,648 | $106,524-68.4% | $152,301-77.9% | $87,485-61.5% |
| Participation rate | 93.6% | 75.8%+17.8pp | 82.4%+11.1pp | 68.9%+24.7pp |
| Annual return | 20.80% | 26.89%-6.1pp | 80.50%-59.7pp | 26.06%-5.3pp |
| Employer contribution / active EE | $2,376 | $3,371-29.5% | $4,624-48.6% | $2,596-8.5% |
| Participant deferral / active EE | $4,967 | $6,525-23.9% | $8,004-37.9% | $4,274+16.2% |
| Admin fee / account holder | $2,616 | $8,287-68.4% | $14,398-81.8% | $7,775-66.4% |