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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 | $44,550 | $84,236-47.1% | $170,435-73.9% | $70,126-36.5% |
| Participation rate | 96.2% | 70.8%+25.4pp | 83.6%+12.6pp | 69.5%+26.7pp |
| Annual return | 18.24% | 23.06%-4.8pp | 205.94%-187.7pp | 73.15%-54.9pp |
| Employer contribution / active EE | $2,549 | $3,387-24.7% | $5,432-53.1% | $2,343+8.8% |
| Participant deferral / active EE | $4,652 | $3,086+50.8% | $4,939-5.8% | $3,332+39.6% |
| Admin fee / account holder | $497 | $5,698-91.3% | $13,881-96.4% | $4,645-89.3% |