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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 | $46,618 | $65,364-28.7% | $92,909-49.8% | $72,975-36.1% |
| Participation rate | 94.4% | 68.3%+26.1pp | 76.0%+18.4pp | 69.5%+25.0pp |
| Annual return | 24.41% | 42.11%-17.7pp | 109.44%-85.0pp | 81.01%-56.6pp |
| Employer contribution / active EE | $0 | $2,594-100.0% | $3,653-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $4,437 | $3,128+41.8% | $4,238+4.7% | $3,608+23.0% |
| Admin fee / account holder | $6,887 | $4,251+62.0% | $5,795+18.8% | $5,124+34.4% |