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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 | $28,501 | $78,423-63.7% | $95,964-70.3% | $79,856-64.3% |
| Participation rate | 93.5% | 73.5%+20.1pp | 77.1%+16.5pp | 69.6%+23.9pp |
| Annual return | 24.24% | 19.37%+4.9pp | 91.64%-67.4pp | 31.71%-7.5pp |
| Employer contribution / active EE | $949 | $1,945-51.2% | $2,541-62.6% | $2,471-61.6% |
| Participant deferral / active EE | $4,230 | $3,440+23.0% | $4,167+1.5% | $3,741+13.1% |
| Admin fee / account holder | $1,688 | $5,622-70.0% | $6,797-75.2% | $5,306-68.2% |