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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 | $36,928 | $94,031-60.7% | $115,768-68.1% | $82,448-55.2% |
| Participation rate | 96.3% | 70.4%+25.9pp | 74.4%+21.9pp | 68.1%+28.2pp |
| Annual return | 14.00% | 20.61%-6.6pp | 100.46%-86.5pp | 41.64%-27.6pp |
| Employer contribution / active EE | $2,148 | $2,323-7.6% | $2,940-26.9% | $2,551-15.8% |
| Participant deferral / active EE | $6,443 | $3,972+62.2% | $4,917+31.0% | $4,139+55.6% |
| Admin fee / account holder | $5,907 | $10,249-42.4% | $12,439-52.5% | $7,234-18.3% |