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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 | $46,024 | $101,763-54.8% | $164,866-72.1% | $80,874-43.1% |
| Participation rate | 96.7% | 71.8%+24.9pp | 78.6%+18.1pp | 67.6%+29.1pp |
| Annual return | 13.65% | 16.73%-3.1pp | 69.97%-56.3pp | 35.62%-22.0pp |
| Employer contribution / active EE | $3,307 | $2,954+11.9% | $4,343-23.9% | $2,756+20.0% |
| Participant deferral / active EE | $6,305 | $4,477+40.9% | $6,033+4.5% | $4,297+46.7% |
| Admin fee / account holder | $6,852 | $8,228-16.7% | $12,689-46.0% | $6,935-1.2% |