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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 | $33,332 | $106,864-68.8% | $147,318-77.4% | $82,637-59.7% |
| Participation rate | 92.9% | 75.5%+17.4pp | 82.1%+10.8pp | 68.1%+24.8pp |
| Annual return | 16.33% | 27.49%-11.2pp | 70.43%-54.1pp | 53.51%-37.2pp |
| Employer contribution / active EE | $2,585 | $3,417-24.3% | $4,593-43.7% | $2,552+1.3% |
| Participant deferral / active EE | $3,700 | $6,496-43.0% | $7,906-53.2% | $4,126-10.3% |
| Admin fee / account holder | $2,996 | $8,415-64.4% | $13,708-78.1% | $7,339-59.2% |