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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 | $35,630 | $58,848-39.5% | $88,179-59.6% | $82,637-56.9% |
| Participation rate | 87.5% | 57.9%+29.6pp | 69.1%+18.4pp | 68.1%+19.4pp |
| Annual return | 21.84% | 22.76%-0.9pp | 64.97%-43.1pp | 53.51%-31.7pp |
| Employer contribution / active EE | $2,858 | $1,678+70.3% | $2,549+12.1% | $2,552+12.0% |
| Participant deferral / active EE | $6,191 | $3,124+98.2% | $4,614+34.2% | $4,126+50.0% |
| Admin fee / account holder | $894 | $4,795-81.4% | $7,673-88.3% | $7,339-87.8% |