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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 | $68,286 | $73,787-7.5% | $98,716-30.8% | $82,448-17.2% |
| Participation rate | 96.0% | 61.4%+34.6pp | 69.3%+26.7pp | 68.1%+27.9pp |
| Annual return | 21.61% | 18.57%+3.0pp | 31.81%-10.2pp | 41.64%-20.0pp |
| Employer contribution / active EE | $1,415 | $1,511-6.4% | $2,279-37.9% | $2,551-44.5% |
| Participant deferral / active EE | $10,296 | $3,081+234.1% | $4,048+154.4% | $4,139+148.7% |
| Admin fee / account holder | $338 | $6,500-94.8% | $8,703-96.1% | $7,234-95.3% |