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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 | $36,228 | $110,379-67.2% | $102,412-64.6% | $145,884-75.2% |
| Participation rate | 95.8% | 77.9%+17.9pp | 74.5%+21.3pp | 80.3%+15.5pp |
| Annual return | 9.76% | 24.84%-15.1pp | 24.94%-15.2pp | 551.85%-542.1pp |
| Employer contribution / active EE | $2,217 | $4,216-47.4% | $3,870-42.7% | $4,662-52.4% |
| Participant deferral / active EE | $7,237 | $5,622+28.7% | $5,060+43.0% | $6,690+8.2% |
| Admin fee / account holder | $5,037 | $9,745-48.3% | $8,388-39.9% | $13,392-62.4% |