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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 | $53,210 | $78,423-32.1% | $95,964-44.6% | $79,856-33.4% |
| Participation rate | 93.1% | 73.5%+19.6pp | 77.1%+16.0pp | 69.6%+23.5pp |
| Annual return | 19.69% | 19.37%+0.3pp | 91.64%-72.0pp | 31.71%-12.0pp |
| Employer contribution / active EE | $1,769 | $1,945-9.1% | $2,541-30.4% | $2,471-28.4% |
| Participant deferral / active EE | $1,822 | $3,440-47.0% | $4,167-56.3% | $3,741-51.3% |
| Admin fee / account holder | $823 | $5,622-85.4% | $6,797-87.9% | $5,306-84.5% |