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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 | $37,347 | $56,110-33.4% | $94,993-60.7% | $70,126-46.7% |
| Participation rate | 88.9% | 65.0%+23.9pp | 73.9%+15.0pp | 69.5%+19.3pp |
| Annual return | 26.31% | 51.02%-24.7pp | 27.14%-0.8pp | 73.15%-46.8pp |
| Employer contribution / active EE | $1,281 | $1,442-11.2% | $2,603-50.8% | $2,343-45.3% |
| Participant deferral / active EE | $2,862 | $2,391+19.7% | $3,317-13.7% | $3,332-14.1% |
| Admin fee / account holder | $403 | $3,456-88.3% | $4,960-91.9% | $4,645-91.3% |