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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 | $41,844 | $78,425-46.6% | $95,956-56.4% | $79,858-47.6% |
| Participation rate | 96.8% | 73.5%+23.3pp | 77.1%+19.7pp | 69.6%+27.1pp |
| Annual return | 27.71% | 19.37%+8.3pp | 91.63%-63.9pp | 31.72%-4.0pp |
| Employer contribution / active EE | $1,752 | $1,945-9.9% | $2,541-31.1% | $2,471-29.1% |
| Participant deferral / active EE | $3,668 | $3,440+6.6% | $4,167-12.0% | $3,740-1.9% |
| Admin fee / account holder | $4,338 | $5,622-22.8% | $6,797-36.2% | $5,306-18.2% |