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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 | $52,988 | $51,222+3.4% | $70,544-24.9% | $75,173-29.5% |
| Participation rate | 97.1% | 61.0%+36.2pp | 68.4%+28.8pp | 67.2%+29.9pp |
| Annual return | 16.69% | 30.06%-13.4pp | 32.79%-16.1pp | 160.72%-144.0pp |
| Employer contribution / active EE | $1,043 | $1,827-42.9% | $2,976-64.9% | $2,671-60.9% |
| Participant deferral / active EE | $5,616 | $2,850+97.0% | $4,568+22.9% | $4,126+36.1% |
| Admin fee / account holder | $2,203 | $4,096-46.2% | $6,427-65.7% | $5,651-61.0% |