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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 | $28,943 | $75,541-61.7% | $152,093-81.0% | $82,637-65.0% |
| Participation rate | 93.3% | 66.5%+26.8pp | 77.8%+15.6pp | 68.1%+25.3pp |
| Annual return | 21.83% | 32.56%-10.7pp | 66.36%-44.5pp | 53.51%-31.7pp |
| Employer contribution / active EE | $2,430 | $2,622-7.3% | $4,175-41.8% | $2,552-4.8% |
| Participant deferral / active EE | $5,447 | $3,206+69.9% | $5,451-0.1% | $4,126+32.0% |
| Admin fee / account holder | $683 | $6,405-89.3% | $14,497-95.3% | $7,339-90.7% |