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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 | $39,013 | $78,690-50.4% | $161,489-75.8% | $87,485-55.4% |
| Participation rate | 93.2% | 67.5%+25.7pp | 78.7%+14.5pp | 68.9%+24.3pp |
| Annual return | 15.63% | 32.74%-17.1pp | 89.72%-74.1pp | 26.06%-10.4pp |
| Employer contribution / active EE | $3,098 | $2,588+19.7% | $4,268-27.4% | $2,596+19.3% |
| Participant deferral / active EE | $4,768 | $3,311+44.0% | $5,630-15.3% | $4,274+11.6% |
| Admin fee / account holder | $8,884 | $6,724+32.1% | $16,006-44.5% | $7,775+14.3% |