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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 | $42,196 | $59,440-29.0% | $78,004-45.9% | $82,637-48.9% |
| Participation rate | 88.9% | 62.8%+26.1pp | 69.4%+19.4pp | 68.1%+20.8pp |
| Annual return | 19.29% | 40.24%-21.0pp | 31.07%-11.8pp | 53.51%-34.2pp |
| Employer contribution / active EE | $2,523 | $1,750+44.1% | $2,469+2.2% | $2,552-1.1% |
| Participant deferral / active EE | $9,390 | $3,138+199.2% | $4,092+129.5% | $4,126+127.6% |
| Admin fee / account holder | $3,574 | $5,504-35.1% | $7,578-52.8% | $7,339-51.3% |