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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 | $41,538 | $112,729-63.2% | $98,716-57.9% | $137,256-69.7% |
| Participation rate | 95.0% | 74.2%+20.8pp | 69.3%+25.7pp | 80.0%+15.0pp |
| Annual return | 13.72% | 38.48%-24.8pp | 31.81%-18.1pp | 220.34%-206.6pp |
| Employer contribution / active EE | $3,216 | $2,725+18.0% | $2,279+41.1% | $4,156-22.6% |
| Participant deferral / active EE | $5,070 | $4,640+9.3% | $4,048+25.3% | $6,407-20.9% |
| Admin fee / account holder | $2,187 | $10,129-78.4% | $8,703-74.9% | $12,270-82.2% |