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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 | $57,335 | $81,331-29.5% | $155,534-63.1% | $80,935-29.2% |
| Participation rate | 95.2% | 66.3%+28.9pp | 78.2%+16.9pp | 67.7%+27.5pp |
| Annual return | 11.70% | 33.37%-21.7pp | 64.92%-53.2pp | 35.66%-24.0pp |
| Employer contribution / active EE | $2,077 | $3,105-33.1% | $4,675-55.6% | $2,757-24.7% |
| Participant deferral / active EE | $4,001 | $3,454+15.8% | $5,630-28.9% | $4,299-7.0% |
| Admin fee / account holder | $946 | $7,999-88.2% | $15,900-94.0% | $6,924-86.3% |