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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 | $61,237 | $108,825-43.7% | $156,181-60.8% | $82,448-25.7% |
| Participation rate | 93.3% | 72.4%+21.0pp | 78.8%+14.5pp | 68.1%+25.3pp |
| Annual return | 14.10% | 20.59%-6.5pp | 64.87%-50.8pp | 41.64%-27.5pp |
| Employer contribution / active EE | $2,440 | $2,870-15.0% | $4,294-43.2% | $2,551-4.4% |
| Participant deferral / active EE | $4,939 | $4,577+7.9% | $6,132-19.5% | $4,139+19.3% |
| Admin fee / account holder | $2,843 | $9,341-69.6% | $14,586-80.5% | $7,234-60.7% |