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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 | $44,960 | $106,247-57.7% | $96,515-53.4% | $139,466-67.8% |
| Participation rate | 92.3% | 77.8%+14.5pp | 74.3%+18.0pp | 80.3%+12.0pp |
| Annual return | 18.96% | 38.47%-19.5pp | 35.73%-16.8pp | 373.66%-354.7pp |
| Employer contribution / active EE | $3,177 | $4,106-22.6% | $3,740-15.1% | $4,754-33.2% |
| Participant deferral / active EE | $7,808 | $5,456+43.1% | $4,880+60.0% | $6,712+16.3% |
| Admin fee / account holder | $5,057 | $7,885-35.9% | $6,735-24.9% | $11,409-55.7% |