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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 | $49,702 | $48,327+2.8% | $67,575-26.5% | $80,935-38.6% |
| Participation rate | 96.6% | 66.4%+30.1pp | 72.9%+23.6pp | 67.7%+28.9pp |
| Annual return | 11.60% | 18.31%-6.7pp | 3528.98%-3517.4pp | 35.66%-24.1pp |
| Employer contribution / active EE | $3,249 | $2,022+60.7% | $2,736+18.8% | $2,757+17.9% |
| Participant deferral / active EE | $4,312 | $2,927+47.3% | $4,003+7.7% | $4,299+0.3% |
| Admin fee / account holder | $4,300 | $3,692+16.5% | $3,993+7.7% | $6,924-37.9% |