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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 | $35,359 | $78,428-54.9% | $95,960-63.2% | $79,852-55.7% |
| Participation rate | 95.1% | 73.5%+21.6pp | 77.1%+18.0pp | 69.6%+25.5pp |
| Annual return | 20.88% | 19.37%+1.5pp | 91.63%-70.8pp | 31.72%-10.8pp |
| Employer contribution / active EE | $2,190 | $1,945+12.6% | $2,541-13.8% | $2,471-11.4% |
| Participant deferral / active EE | $4,078 | $3,440+18.6% | $4,167-2.1% | $3,740+9.0% |
| Admin fee / account holder | $961 | $5,622-82.9% | $6,797-85.9% | $5,306-81.9% |