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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 | $32,109 | $78,423-59.1% | $95,964-66.5% | $79,856-59.8% |
| Participation rate | 93.5% | 73.5%+20.0pp | 77.1%+16.4pp | 69.6%+23.8pp |
| Annual return | 12.77% | 19.37%-6.6pp | 91.64%-78.9pp | 31.71%-18.9pp |
| Employer contribution / active EE | $1,784 | $1,945-8.3% | $2,541-29.8% | $2,471-27.8% |
| Participant deferral / active EE | $3,731 | $3,440+8.5% | $4,167-10.5% | $3,741-0.3% |
| Admin fee / account holder | $5,075 | $5,622-9.7% | $6,797-25.3% | $5,306-4.4% |