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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 | $44,074 | $76,407-42.3% | $150,298-70.7% | $82,448-46.5% |
| Participation rate | 97.8% | 66.4%+31.4pp | 77.8%+20.0pp | 68.1%+29.7pp |
| Annual return | 14.47% | 39.99%-25.5pp | 62.79%-48.3pp | 41.64%-27.2pp |
| Employer contribution / active EE | $3,421 | $2,614+30.9% | $4,154-17.7% | $2,551+34.1% |
| Participant deferral / active EE | $3,551 | $3,214+10.5% | $5,453-34.9% | $4,139-14.2% |
| Admin fee / account holder | $3,862 | $6,352-39.2% | $14,116-72.6% | $7,234-46.6% |