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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 | $42,032 | $78,690-46.6% | $161,489-74.0% | $87,485-52.0% |
| Participation rate | 84.2% | 67.5%+16.7pp | 78.7%+5.5pp | 68.9%+15.3pp |
| Annual return | 15.19% | 32.74%-17.5pp | 89.72%-74.5pp | 26.06%-10.9pp |
| Employer contribution / active EE | $2,197 | $2,588-15.1% | $4,268-48.5% | $2,596-15.4% |
| Participant deferral / active EE | $4,876 | $3,311+47.3% | $5,630-13.4% | $4,274+14.1% |
| Admin fee / account holder | $8,676 | $6,724+29.0% | $16,006-45.8% | $7,775+11.6% |