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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 | $37,754 | $75,541-50.0% | $152,093-75.2% | $82,637-54.3% |
| Participation rate | 98.0% | 66.5%+31.5pp | 77.8%+20.3pp | 68.1%+30.0pp |
| Annual return | 14.83% | 32.56%-17.7pp | 66.36%-51.5pp | 53.51%-38.7pp |
| Employer contribution / active EE | $4,832 | $2,622+84.3% | $4,175+15.7% | $2,552+89.3% |
| Participant deferral / active EE | $2,143 | $3,206-33.1% | $5,451-60.7% | $4,126-48.1% |
| Admin fee / account holder | $3,615 | $6,405-43.6% | $14,497-75.1% | $7,339-50.7% |