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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 | $37,800 | $84,953-55.5% | $163,379-76.9% | $82,637-54.3% |
| Participation rate | 96.4% | 65.9%+30.5pp | 76.8%+19.6pp | 68.1%+28.4pp |
| Annual return | 14.86% | 23.07%-8.2pp | 63.41%-48.5pp | 53.51%-38.6pp |
| Employer contribution / active EE | $1,860 | $2,183-14.8% | $3,752-50.4% | $2,552-27.1% |
| Participant deferral / active EE | $4,304 | $4,326-0.5% | $6,282-31.5% | $4,126+4.3% |
| Admin fee / account holder | $7,276 | $7,921-8.1% | $9,818-25.9% | $7,339-0.9% |