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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 | $44,805 | $78,690-43.1% | $161,489-72.3% | $87,485-48.8% |
| Participation rate | 95.1% | 67.5%+27.7pp | 78.7%+16.4pp | 68.9%+26.2pp |
| Annual return | 14.27% | 32.74%-18.5pp | 89.72%-75.4pp | 26.06%-11.8pp |
| Employer contribution / active EE | $1,829 | $2,588-29.3% | $4,268-57.1% | $2,596-29.5% |
| Participant deferral / active EE | $2,721 | $3,311-17.8% | $5,630-51.7% | $4,274-36.3% |
| Admin fee / account holder | $7,150 | $6,724+6.3% | $16,006-55.3% | $7,775-8.0% |