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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 | $33,207 | $102,245-67.5% | $89,340-62.8% | $137,256-75.8% |
| Participation rate | 94.1% | 74.9%+19.2pp | 69.6%+24.6pp | 80.0%+14.2pp |
| Annual return | 16.84% | 21.89%-5.0pp | 20.57%-3.7pp | 220.34%-203.5pp |
| Employer contribution / active EE | $1,364 | $2,529-46.1% | $2,231-38.9% | $4,156-67.2% |
| Participant deferral / active EE | $5,355 | $4,436+20.7% | $3,823+40.1% | $6,407-16.4% |
| Admin fee / account holder | $535 | $8,085-93.4% | $6,704-92.0% | $12,270-95.6% |