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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 | $37,583 | $72,272-48.0% | $101,264-62.9% | $79,858-52.9% |
| Participation rate | 84.8% | 68.5%+16.3pp | 75.8%+9.0pp | 69.6%+15.1pp |
| Annual return | 19.17% | 22.30%-3.1pp | 46.48%-27.3pp | 31.72%-12.6pp |
| Employer contribution / active EE | $2,172 | $2,692-19.3% | $3,660-40.6% | $2,471-12.1% |
| Participant deferral / active EE | $4,971 | $3,282+51.5% | $4,370+13.7% | $3,740+32.9% |
| Admin fee / account holder | $8,936 | $4,401+103.1% | $5,947+50.3% | $5,306+68.4% |