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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 | $37,682 | $51,222-26.4% | $70,544-46.6% | $75,173-49.9% |
| Participation rate | 94.2% | 61.0%+33.3pp | 68.4%+25.9pp | 67.2%+27.0pp |
| Annual return | 19.34% | 30.06%-10.7pp | 32.79%-13.4pp | 160.72%-141.4pp |
| Employer contribution / active EE | $2,083 | $1,827+14.0% | $2,976-30.0% | $2,671-22.0% |
| Participant deferral / active EE | $3,697 | $2,850+29.7% | $4,568-19.1% | $4,126-10.4% |
| Admin fee / account holder | $1,032 | $4,096-74.8% | $6,427-83.9% | $5,651-81.7% |