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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 | $36,842 | $32,425+13.6% | $74,577-50.6% | $55,167-33.2% |
| Participation rate | 84.3% | 54.0%+30.3pp | 68.1%+16.2pp | 69.0%+15.4pp |
| Annual return | 8.97% | 10.63%-1.7pp | 20.47%-11.5pp | 169.23%-160.3pp |
| Employer contribution / active EE | $1,505 | $1,043+44.3% | $2,525-40.4% | $1,963-23.3% |
| Participant deferral / active EE | $2,579 | $1,995+29.3% | $3,458-25.4% | $3,054-15.6% |
| Admin fee / account holder | $1,933 | $748+158.3% | $4,138-53.3% | $504+283.6% |