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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 | $44,493 | $58,828-24.4% | $78,002-43.0% | $62,881-29.2% |
| Participation rate | 88.9% | 71.1%+17.8pp | 75.5%+13.4pp | 69.3%+19.6pp |
| Annual return | 7.50% | 17.16%-9.7pp | 425.99%-418.5pp | 20.14%-12.6pp |
| Employer contribution / active EE | $1,569 | $1,672-6.1% | $2,470-36.5% | $2,281-31.2% |
| Participant deferral / active EE | $3,081 | $2,686+14.7% | $3,497-11.9% | $3,203-3.8% |
| Admin fee / account holder | $632 | $4,393-85.6% | $5,481-88.5% | $4,296-85.3% |