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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 | $42,942 | $106,749-59.8% | $145,433-70.5% | $82,448-47.9% |
| Participation rate | 92.9% | 75.6%+17.2pp | 82.1%+10.7pp | 68.1%+24.8pp |
| Annual return | 15.36% | 27.59%-12.2pp | 66.58%-51.2pp | 41.64%-26.3pp |
| Employer contribution / active EE | $2,496 | $3,444-27.5% | $4,554-45.2% | $2,551-2.2% |
| Participant deferral / active EE | $11,063 | $6,519+69.7% | $7,897+40.1% | $4,139+167.3% |
| Admin fee / account holder | $1,581 | $8,390-81.2% | $13,129-88.0% | $7,234-78.1% |