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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 | $37,517 | $81,276-53.8% | $155,574-75.9% | $80,925-53.6% |
| Participation rate | 93.1% | 66.2%+26.9pp | 78.2%+14.9pp | 67.7%+25.4pp |
| Annual return | 12.45% | 33.36%-20.9pp | 64.87%-52.4pp | 35.65%-23.2pp |
| Employer contribution / active EE | $4,340 | $3,103+39.9% | $4,676-7.2% | $2,756+57.5% |
| Participant deferral / active EE | $5,619 | $3,453+62.7% | $5,629-0.2% | $4,299+30.7% |
| Admin fee / account holder | $2,388 | $7,993-70.1% | $15,914-85.0% | $6,940-65.6% |