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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 | $52,067 | $81,331-36.0% | $155,534-66.5% | $80,935-35.7% |
| Participation rate | 97.1% | 66.3%+30.9pp | 78.2%+18.9pp | 67.7%+29.5pp |
| Annual return | 17.02% | 33.37%-16.4pp | 64.92%-47.9pp | 35.66%-18.6pp |
| Employer contribution / active EE | $1,863 | $3,105-40.0% | $4,675-60.2% | $2,757-32.4% |
| Participant deferral / active EE | $4,734 | $3,454+37.0% | $5,630-15.9% | $4,299+10.1% |
| Admin fee / account holder | $3,020 | $7,999-62.2% | $15,900-81.0% | $6,924-56.4% |