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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 | $36,294 | $47,848-24.1% | $81,473-55.5% | $70,126-48.2% |
| Participation rate | 88.0% | 58.3%+29.7pp | 68.0%+20.0pp | 69.5%+18.5pp |
| Annual return | 21.25% | 27.25%-6.0pp | 38.78%-17.5pp | 73.15%-51.9pp |
| Employer contribution / active EE | $1,675 | $1,527+9.7% | $2,568-34.8% | $2,343-28.5% |
| Participant deferral / active EE | $6,230 | $2,453+154.0% | $3,537+76.1% | $3,332+87.0% |
| Admin fee / account holder | $1,269 | $3,145-59.6% | $4,561-72.2% | $4,645-72.7% |