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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 | $41,007 | $93,345-56.1% | $119,126-65.6% | $87,485-53.1% |
| Participation rate | 75.9% | 68.7%+7.1pp | 75.8%+0.1pp | 68.9%+6.9pp |
| Annual return | 18.74% | 19.08%-0.3pp | 282.11%-263.4pp | 26.06%-7.3pp |
| Employer contribution / active EE | $1,473 | $3,172-53.6% | $4,034-63.5% | $2,596-43.3% |
| Participant deferral / active EE | $4,333 | $4,099+5.7% | $5,318-18.5% | $4,274+1.4% |
| Admin fee / account holder | $2,218 | $8,039-72.4% | $10,693-79.3% | $7,775-71.5% |