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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 | $37,389 | $49,239-24.1% | $70,462-46.9% | $79,858-53.2% |
| Participation rate | 97.9% | 69.2%+28.7pp | 75.1%+22.8pp | 69.6%+28.2pp |
| Annual return | 9.77% | 30.08%-20.3pp | 109.08%-99.3pp | 31.72%-21.9pp |
| Employer contribution / active EE | $1,852 | $2,100-11.8% | $2,737-32.3% | $2,471-25.0% |
| Participant deferral / active EE | $1,833 | $2,769-33.8% | $3,710-50.6% | $3,740-51.0% |
| Admin fee / account holder | $3,898 | $2,876+35.5% | $3,845+1.4% | $5,306-26.5% |