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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 | $34,786 | $123,155-71.8% | $108,753-68.0% | $155,188-77.6% |
| Participation rate | 95.8% | 75.6%+20.2pp | 71.1%+24.7pp | 80.8%+15.0pp |
| Annual return | 19.67% | 44.73%-25.1pp | 37.47%-17.8pp | 148.84%-129.2pp |
| Employer contribution / active EE | $2,083 | $2,811-25.9% | $2,427-14.1% | $4,248-51.0% |
| Participant deferral / active EE | $2,239 | $4,623-51.6% | $4,115-45.6% | $6,531-65.7% |
| Admin fee / account holder | $1,398 | $12,126-88.5% | $10,320-86.5% | $14,480-90.3% |