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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 | $41,670 | $81,334-48.8% | $113,397-63.3% | $64,097-35.0% |
| Participation rate | 94.3% | 65.6%+28.6pp | 76.5%+17.8pp | 55.2%+39.1pp |
| Annual return | 16.41% | 32.50%-16.1pp | 23.20%-6.8pp | 34.64%-18.2pp |
| Employer contribution / active EE | $2,883 | $2,077+38.8% | $2,977-3.2% | $1,891+52.4% |
| Participant deferral / active EE | $5,838 | $3,795+53.8% | $5,076+15.0% | $3,080+89.6% |
| Admin fee / account holder | $1,837 | $4,208-56.3% | $11,957-84.6% | $3,454-46.8% |