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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 | $49,641 | $78,423-36.7% | $95,964-48.3% | $79,856-37.8% |
| Participation rate | 88.0% | 73.5%+14.5pp | 77.1%+10.9pp | 69.6%+18.4pp |
| Annual return | 18.81% | 19.37%-0.6pp | 91.64%-72.8pp | 31.71%-12.9pp |
| Employer contribution / active EE | $2,561 | $1,945+31.6% | $2,541+0.8% | $2,471+3.6% |
| Participant deferral / active EE | $5,999 | $3,440+74.4% | $4,167+44.0% | $3,741+60.4% |
| Admin fee / account holder | $4,821 | $5,622-14.2% | $6,797-29.1% | $5,306-9.2% |