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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 | $33,386 | $87,059-61.7% | $105,608-68.4% | $80,925-58.7% |
| Participation rate | 97.6% | 70.4%+27.2pp | 75.3%+22.3pp | 67.7%+30.0pp |
| Annual return | 10.75% | 17.05%-6.3pp | 116.50%-105.8pp | 35.65%-24.9pp |
| Employer contribution / active EE | $1,545 | $2,396-35.5% | $3,167-51.2% | $2,756-44.0% |
| Participant deferral / active EE | $4,382 | $3,986+9.9% | $5,010-12.5% | $4,299+1.9% |
| Admin fee / account holder | $1,975 | $8,443-76.6% | $11,028-82.1% | $6,940-71.5% |