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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 | $52,162 | $78,423-33.5% | $95,964-45.6% | $79,856-34.7% |
| Participation rate | 95.7% | 73.5%+22.3pp | 77.1%+18.7pp | 69.6%+26.1pp |
| Annual return | 11.16% | 19.37%-8.2pp | 91.64%-80.5pp | 31.71%-20.5pp |
| Employer contribution / active EE | $4,873 | $1,945+150.5% | $2,541+91.7% | $2,471+97.2% |
| Participant deferral / active EE | $1,656 | $3,440-51.9% | $4,167-60.2% | $3,741-55.7% |
| Admin fee / account holder | $1,598 | $5,622-71.6% | $6,797-76.5% | $5,306-69.9% |