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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 | $97,648-62.2% | $121,663-69.6% | $87,485-57.8% |
| Participation rate | 96.3% | 70.5%+25.8pp | 74.5%+21.8pp | 68.9%+27.4pp |
| Annual return | 14.00% | 18.03%-4.0pp | 147.54%-133.5pp | 26.06%-12.1pp |
| Employer contribution / active EE | $2,148 | $2,300-6.6% | $3,020-28.9% | $2,596-17.3% |
| Participant deferral / active EE | $6,443 | $3,923+64.2% | $4,887+31.8% | $4,274+50.8% |
| Admin fee / account holder | $5,907 | $11,100-46.8% | $14,289-58.7% | $7,775-24.0% |