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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 | $41,326 | $77,920-47.0% | $149,723-72.4% | $75,177-45.0% |
| Participation rate | 92.7% | 65.6%+27.1pp | 78.8%+13.9pp | 67.2%+25.5pp |
| Annual return | 14.50% | 31.72%-17.2pp | 134.50%-120.0pp | 160.75%-146.3pp |
| Employer contribution / active EE | $3,415 | $3,138+8.8% | $4,821-29.2% | $2,671+27.8% |
| Participant deferral / active EE | $2,678 | $3,411-21.5% | $5,682-52.9% | $4,126-35.1% |
| Admin fee / account holder | $8,023 | $5,951+34.8% | $13,215-39.3% | $5,651+42.0% |