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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 | $33,306 | $73,955-55.0% | $96,520-65.5% | $75,181-55.7% |
| Participation rate | 95.3% | 66.4%+28.9pp | 74.3%+21.0pp | 67.2%+28.2pp |
| Annual return | 20.62% | 26.72%-6.1pp | 35.72%-15.1pp | 160.69%-140.1pp |
| Employer contribution / active EE | $2,701 | $2,930-7.8% | $3,739-27.8% | $2,671+1.1% |
| Participant deferral / active EE | $6,693 | $3,659+82.9% | $4,879+37.2% | $4,126+62.2% |
| Admin fee / account holder | $1,840 | $5,217-64.7% | $6,733-72.7% | $5,650-67.4% |