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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 | $53,437 | $81,276-34.3% | $155,574-65.7% | $80,925-34.0% |
| Participation rate | 92.3% | 66.2%+26.1pp | 78.2%+14.1pp | 67.7%+24.6pp |
| Annual return | 20.96% | 33.36%-12.4pp | 64.87%-43.9pp | 35.65%-14.7pp |
| Employer contribution / active EE | $2,274 | $3,103-26.7% | $4,676-51.4% | $2,756-17.5% |
| Participant deferral / active EE | $4,397 | $3,453+27.3% | $5,629-21.9% | $4,299+2.3% |
| Admin fee / account holder | $3,050 | $7,993-61.8% | $15,914-80.8% | $6,940-56.0% |