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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 | $46,454 | $63,861-27.3% | $104,639-55.6% | $79,856-41.8% |
| Participation rate | 96.8% | 64.9%+31.9pp | 74.1%+22.7pp | 69.6%+27.1pp |
| Annual return | 19.57% | 21.30%-1.7pp | 340.67%-321.1pp | 31.71%-12.1pp |
| Employer contribution / active EE | $1,598 | $1,588+0.6% | $2,682-40.4% | $2,471-35.3% |
| Participant deferral / active EE | $3,751 | $2,693+39.3% | $3,738+0.3% | $3,741+0.3% |
| Admin fee / account holder | $5,449 | $4,185+30.2% | $6,465-15.7% | $5,306+2.7% |