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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 | $76,642-44.3% | $146,866-70.9% | $65,306-34.6% |
| Participation rate | 94.1% | 61.2%+32.8pp | 82.5%+11.6pp | 57.7%+36.4pp |
| Annual return | 17.86% | 33.40%-15.5pp | 102.85%-85.0pp | 21.94%-4.1pp |
| Employer contribution / active EE | $1,935 | $2,621-26.2% | $4,425-56.3% | $1,967-1.6% |
| Participant deferral / active EE | $2,367 | $4,864-51.3% | $7,759-69.5% | $2,959-20.0% |
| Admin fee / account holder | $12,192 | $3,960+207.8% | $13,620-10.5% | $3,480+250.3% |