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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 | $54,790 | $75,807-27.7% | $116,096-52.8% | $86,983-37.0% |
| Participation rate | 94.2% | 66.9%+27.4pp | 73.3%+20.9pp | 69.5%+24.7pp |
| Annual return | 17.15% | 18.57%-1.4pp | 326.25%-309.1pp | 25.83%-8.7pp |
| Employer contribution / active EE | $2,671 | $1,892+41.2% | $2,503+6.7% | $2,584+3.3% |
| Participant deferral / active EE | $4,767 | $3,212+48.4% | $3,952+20.6% | $4,194+13.7% |
| Admin fee / account holder | $1,914 | $6,659-71.2% | $7,704-75.2% | $7,856-75.6% |