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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 | $44,447 | $78,425-43.3% | $95,956-53.7% | $79,858-44.3% |
| Participation rate | 96.8% | 73.5%+23.3pp | 77.1%+19.7pp | 69.6%+27.1pp |
| Annual return | 14.06% | 19.37%-5.3pp | 91.63%-77.6pp | 31.72%-17.7pp |
| Employer contribution / active EE | $4,402 | $1,945+126.3% | $2,541+73.2% | $2,471+78.2% |
| Participant deferral / active EE | $3,049 | $3,440-11.4% | $4,167-26.8% | $3,740-18.5% |
| Admin fee / account holder | $6,057 | $5,622+7.7% | $6,797-10.9% | $5,306+14.2% |