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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 | $32,588 | $101,778-68.0% | $164,975-80.2% | $80,925-59.7% |
| Participation rate | 94.9% | 71.8%+23.1pp | 78.6%+16.3pp | 67.7%+27.3pp |
| Annual return | 13.05% | 16.73%-3.7pp | 70.12%-57.1pp | 35.65%-22.6pp |
| Employer contribution / active EE | $2,261 | $2,954-23.5% | $4,343-47.9% | $2,756-18.0% |
| Participant deferral / active EE | $3,377 | $4,477-24.6% | $6,033-44.0% | $4,299-21.4% |
| Admin fee / account holder | $1,627 | $8,221-80.2% | $12,688-87.2% | $6,940-76.6% |