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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 | $49,094 | $71,208-31.1% | $93,681-47.6% | $80,911-39.3% |
| Participation rate | 93.1% | 60.4%+32.7pp | 68.7%+24.4pp | 67.6%+25.5pp |
| Annual return | 27.65% | 11.27%+16.4pp | 133.47%-105.8pp | 35.63%-8.0pp |
| Employer contribution / active EE | $2,089 | $1,564+33.5% | $2,422-13.7% | $2,756-24.2% |
| Participant deferral / active EE | $4,987 | $4,035+23.6% | $4,415+13.0% | $4,297+16.1% |
| Admin fee / account holder | $16,364 | $6,951+135.4% | $8,290+97.4% | $6,935+136.0% |