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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 | $47,890 | $46,596+2.8% | $64,099-25.3% | $75,181-36.3% |
| Participation rate | 90.0% | 65.9%+24.1pp | 72.3%+17.7pp | 67.2%+22.8pp |
| Annual return | 21.84% | 26.04%-4.2pp | 33.70%-11.9pp | 160.69%-138.8pp |
| Employer contribution / active EE | $3,920 | $1,975+98.5% | $2,748+42.6% | $2,671+46.8% |
| Participant deferral / active EE | $7,616 | $2,837+168.4% | $3,881+96.2% | $4,126+84.6% |
| Admin fee / account holder | $2,287 | $2,954-22.6% | $3,070-25.5% | $5,650-59.5% |