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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 | $37,188 | $78,670-52.7% | $109,173-65.9% | $85,847-56.7% |
| Participation rate | 96.2% | 68.3%+27.9pp | 75.9%+20.3pp | 69.3%+26.8pp |
| Annual return | 11.58% | 25.09%-13.5pp | 25.75%-14.2pp | 318.61%-307.0pp |
| Employer contribution / active EE | $1,757 | $2,734-35.7% | $3,723-52.8% | $2,565-31.5% |
| Participant deferral / active EE | $2,372 | $3,467-31.6% | $4,654-49.0% | $3,952-40.0% |
| Admin fee / account holder | $490 | $5,469-91.0% | $6,755-92.7% | $6,261-92.2% |