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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 | $36,731 | $62,672-41.4% | $185,117-80.2% | $70,126-47.6% |
| Participation rate | 93.0% | 63.8%+29.2pp | 77.3%+15.8pp | 69.5%+23.5pp |
| Annual return | 13.66% | 40.79%-27.1pp | 40.50%-26.8pp | 73.15%-59.5pp |
| Employer contribution / active EE | $718 | $1,753-59.1% | $4,182-82.8% | $2,343-69.4% |
| Participant deferral / active EE | $2,364 | $3,272-27.7% | $5,045-53.1% | $3,332-29.0% |
| Admin fee / account holder | $1,848 | $3,932-53.0% | $8,159-77.3% | $4,645-60.2% |