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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 | $42,685 | $75,058-43.1% | $152,301-72.0% | $64,340-33.7% |
| Participation rate | 94.1% | 60.9%+33.2pp | 82.4%+11.6pp | 55.2%+38.8pp |
| Annual return | 17.86% | 29.93%-12.1pp | 80.50%-62.6pp | 24.14%-6.3pp |
| Employer contribution / active EE | $1,935 | $2,605-25.7% | $4,624-58.2% | $1,862+4.0% |
| Participant deferral / active EE | $2,367 | $5,041-53.0% | $8,004-70.4% | $2,980-20.6% |
| Admin fee / account holder | $12,192 | $4,050+201.0% | $14,398-15.3% | $3,703+229.3% |