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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 | $49,437 | $78,423-37.0% | $95,964-48.5% | $79,856-38.1% |
| Participation rate | 92.5% | 73.5%+19.0pp | 77.1%+15.4pp | 69.6%+22.8pp |
| Annual return | 22.36% | 19.37%+3.0pp | 91.64%-69.3pp | 31.71%-9.3pp |
| Employer contribution / active EE | $2,346 | $1,945+20.6% | $2,541-7.7% | $2,471-5.1% |
| Participant deferral / active EE | $4,948 | $3,440+43.8% | $4,167+18.7% | $3,741+32.3% |
| Admin fee / account holder | $2,152 | $5,622-61.7% | $6,797-68.3% | $5,306-59.4% |