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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 | $42,914 | $57,590-25.5% | $86,233-50.2% | $82,448-48.0% |
| Participation rate | 96.0% | 57.9%+38.1pp | 69.0%+27.0pp | 68.1%+27.9pp |
| Annual return | 14.13% | 22.41%-8.3pp | 61.39%-47.3pp | 41.64%-27.5pp |
| Employer contribution / active EE | $1,547 | $1,655-6.5% | $2,504-38.2% | $2,551-39.4% |
| Participant deferral / active EE | $4,992 | $3,080+62.1% | $4,559+9.5% | $4,139+20.6% |
| Admin fee / account holder | $2,134 | $4,730-54.9% | $8,342-74.4% | $7,234-70.5% |