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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 | $76,407-41.4% | $150,298-70.2% | $82,448-45.7% |
| Participation rate | 95.1% | 66.4%+28.7pp | 77.8%+17.4pp | 68.1%+27.1pp |
| Annual return | 14.27% | 39.99%-25.7pp | 62.79%-48.5pp | 41.64%-27.4pp |
| Employer contribution / active EE | $1,829 | $2,614-30.0% | $4,154-56.0% | $2,551-28.3% |
| Participant deferral / active EE | $2,721 | $3,214-15.4% | $5,453-50.1% | $4,139-34.3% |
| Admin fee / account holder | $7,150 | $6,352+12.6% | $14,116-49.3% | $7,234-1.2% |