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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 | $27,067 | $77,472-65.1% | $100,415-73.0% | $80,959-66.6% |
| Participation rate | 96.2% | 76.9%+19.2pp | 81.5%+14.6pp | 67.7%+28.5pp |
| Annual return | 13.68% | 37.26%-23.6pp | 49.47%-35.8pp | 35.67%-22.0pp |
| Employer contribution / active EE | $3,716 | $2,800+32.7% | $3,943-5.8% | $2,757+34.8% |
| Participant deferral / active EE | $4,763 | $6,818-30.1% | $8,091-41.1% | $4,300+10.8% |
| Admin fee / account holder | $3,974 | $5,885-32.5% | $7,906-49.7% | $6,925-42.6% |