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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 | $39,242 | $76,407-48.6% | $150,298-73.9% | $82,448-52.4% |
| Participation rate | 88.5% | 66.4%+22.1pp | 77.8%+10.7pp | 68.1%+20.4pp |
| Annual return | 17.94% | 39.99%-22.1pp | 62.79%-44.8pp | 41.64%-23.7pp |
| Employer contribution / active EE | $1,694 | $2,614-35.2% | $4,154-59.2% | $2,551-33.6% |
| Participant deferral / active EE | $5,651 | $3,214+75.8% | $5,453+3.6% | $4,139+36.5% |
| Admin fee / account holder | $1,966 | $6,352-69.0% | $14,116-86.1% | $7,234-72.8% |