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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 | $35,263 | $51,222-31.2% | $70,544-50.0% | $75,173-53.1% |
| Participation rate | 93.3% | 61.0%+32.4pp | 68.4%+25.0pp | 67.2%+26.1pp |
| Annual return | 19.24% | 30.06%-10.8pp | 32.79%-13.6pp | 160.72%-141.5pp |
| Employer contribution / active EE | $5,079 | $1,827+178.0% | $2,976+70.7% | $2,671+90.2% |
| Participant deferral / active EE | $11,772 | $2,850+313.0% | $4,568+157.7% | $4,126+185.3% |
| Admin fee / account holder | $3,895 | $4,096-4.9% | $6,427-39.4% | $5,651-31.1% |