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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 | $57,081 | $54,541+4.7% | $78,778-27.5% | $70,126-18.6% |
| Participation rate | 96.7% | 60.8%+35.9pp | 69.2%+27.5pp | 69.5%+27.2pp |
| Annual return | 18.41% | 21.07%-2.7pp | 35.62%-17.2pp | 73.15%-54.7pp |
| Employer contribution / active EE | $2,161 | $1,089+98.6% | $1,986+8.9% | $2,343-7.7% |
| Participant deferral / active EE | $1,900 | $2,210-14.0% | $2,958-35.8% | $3,332-43.0% |
| Admin fee / account holder | $3,778 | $3,709+1.9% | $5,134-26.4% | $4,645-18.7% |