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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 | $37,577 | $106,749-64.8% | $145,433-74.2% | $82,448-54.4% |
| Participation rate | 92.6% | 75.6%+16.9pp | 82.1%+10.5pp | 68.1%+24.5pp |
| Annual return | 17.17% | 27.59%-10.4pp | 66.58%-49.4pp | 41.64%-24.5pp |
| Employer contribution / active EE | $2,547 | $3,444-26.1% | $4,554-44.1% | $2,551-0.2% |
| Participant deferral / active EE | $7,525 | $6,519+15.4% | $7,897-4.7% | $4,139+81.8% |
| Admin fee / account holder | $3,287 | $8,390-60.8% | $13,129-75.0% | $7,234-54.6% |