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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 | $45,820 | $63,354-27.7% | $94,105-51.3% | $82,637-44.6% |
| Participation rate | 91.2% | 63.8%+27.4pp | 71.9%+19.3pp | 68.1%+23.2pp |
| Annual return | 17.46% | 34.36%-16.9pp | 204.55%-187.1pp | 53.51%-36.0pp |
| Employer contribution / active EE | $2,772 | $1,760+57.6% | $2,504+10.7% | $2,552+8.6% |
| Participant deferral / active EE | $6,644 | $2,873+131.2% | $3,881+71.2% | $4,126+61.0% |
| Admin fee / account holder | $2,087 | $5,073-58.9% | $6,199-66.3% | $7,339-71.6% |