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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 | $43,660 | $78,423-44.3% | $95,964-54.5% | $79,856-45.3% |
| Participation rate | 96.8% | 73.5%+23.3pp | 77.1%+19.7pp | 69.6%+27.1pp |
| Annual return | 13.12% | 19.37%-6.3pp | 91.64%-78.5pp | 31.71%-18.6pp |
| Employer contribution / active EE | $1,608 | $1,945-17.4% | $2,541-36.7% | $2,471-34.9% |
| Participant deferral / active EE | $2,317 | $3,440-32.6% | $4,167-44.4% | $3,741-38.0% |
| Admin fee / account holder | $4,005 | $5,622-28.8% | $6,797-41.1% | $5,306-24.5% |