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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 | $32,181 | $101,795-68.4% | $165,100-80.5% | $80,959-60.2% |
| Participation rate | 95.1% | 71.8%+23.3pp | 78.6%+16.5pp | 67.7%+27.5pp |
| Annual return | 15.24% | 16.73%-1.5pp | 70.21%-55.0pp | 35.67%-20.4pp |
| Employer contribution / active EE | $2,447 | $2,954-17.2% | $4,348-43.7% | $2,757-11.3% |
| Participant deferral / active EE | $5,615 | $4,476+25.4% | $6,035-7.0% | $4,300+30.6% |
| Admin fee / account holder | $3,321 | $8,221-59.6% | $12,696-73.8% | $6,925-52.0% |