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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 | $38,163 | $101,950-62.6% | $125,529-69.6% | $86,983-56.1% |
| Participation rate | 91.3% | 70.2%+21.1pp | 74.7%+16.6pp | 69.5%+21.8pp |
| Annual return | 15.63% | 18.29%-2.7pp | 202.56%-186.9pp | 25.83%-10.2pp |
| Employer contribution / active EE | $2,559 | $2,358+8.5% | $3,058-16.3% | $2,584-1.0% |
| Participant deferral / active EE | $4,322 | $3,862+11.9% | $4,813-10.2% | $4,194+3.0% |
| Admin fee / account holder | $1,965 | $12,791-84.6% | $16,298-87.9% | $7,856-75.0% |