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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 | $39,842 | $75,541-47.3% | $152,093-73.8% | $82,637-51.8% |
| Participation rate | 95.5% | 66.5%+29.0pp | 77.8%+17.7pp | 68.1%+27.5pp |
| Annual return | 29.13% | 32.56%-3.4pp | 66.36%-37.2pp | 53.51%-24.4pp |
| Employer contribution / active EE | $444 | $2,622-83.1% | $4,175-89.4% | $2,552-82.6% |
| Participant deferral / active EE | $9,882 | $3,206+208.3% | $5,451+81.3% | $4,126+139.5% |
| Admin fee / account holder | $4,825 | $6,405-24.7% | $14,497-66.7% | $7,339-34.3% |