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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 | $44,947 | $103,393-56.5% | $87,103-48.4% | $152,909-70.6% |
| Participation rate | 95.8% | 79.4%+16.5pp | 76.9%+19.0pp | 82.5%+13.4pp |
| Annual return | 19.37% | 28.10%-8.7pp | 28.19%-8.8pp | 345.46%-326.1pp |
| Employer contribution / active EE | $1,641 | $3,221-49.1% | $2,521-34.9% | $4,764-65.6% |
| Participant deferral / active EE | $5,091 | $4,778+6.5% | $4,049+25.7% | $5,851-13.0% |
| Admin fee / account holder | $4,358 | $12,195-64.3% | $7,491-41.8% | $11,601-62.4% |