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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 | $36,355 | $72,269-49.7% | $101,271-64.1% | $79,852-54.5% |
| Participation rate | 97.8% | 68.5%+29.4pp | 75.8%+22.0pp | 69.6%+28.2pp |
| Annual return | 15.97% | 22.29%-6.3pp | 46.48%-30.5pp | 31.72%-15.7pp |
| Employer contribution / active EE | $1,994 | $2,692-25.9% | $3,660-45.5% | $2,471-19.3% |
| Participant deferral / active EE | $2,541 | $3,282-22.6% | $4,371-41.9% | $3,740-32.1% |
| Admin fee / account holder | $390 | $4,401-91.1% | $5,948-93.4% | $5,306-92.7% |