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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 | $52,525 | $94,436-44.4% | $115,599-54.6% | $82,637-36.4% |
| Participation rate | 94.7% | 70.4%+24.3pp | 74.3%+20.5pp | 68.1%+26.7pp |
| Annual return | 14.14% | 18.37%-4.2pp | 111.10%-97.0pp | 53.51%-39.4pp |
| Employer contribution / active EE | $1,853 | $2,324-20.3% | $2,955-37.3% | $2,552-27.4% |
| Participant deferral / active EE | $3,841 | $3,955-2.9% | $4,889-21.4% | $4,126-6.9% |
| Admin fee / account holder | $2,515 | $10,328-75.7% | $12,841-80.4% | $7,339-65.7% |