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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 | $106,864-59.8% | $147,318-70.9% | $82,637-48.0% |
| Participation rate | 92.9% | 75.5%+17.4pp | 82.1%+10.8pp | 68.1%+24.8pp |
| Annual return | 15.36% | 27.49%-12.1pp | 70.43%-55.1pp | 53.51%-38.1pp |
| Employer contribution / active EE | $2,496 | $3,417-26.9% | $4,593-45.7% | $2,552-2.2% |
| Participant deferral / active EE | $11,063 | $6,496+70.3% | $7,906+39.9% | $4,126+168.1% |
| Admin fee / account holder | $1,581 | $8,415-81.2% | $13,708-88.5% | $7,339-78.5% |