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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 | $43,031 | $58,848-26.9% | $88,179-51.2% | $82,637-47.9% |
| Participation rate | 77.8% | 57.9%+19.9pp | 69.1%+8.6pp | 68.1%+9.7pp |
| Annual return | 16.99% | 22.76%-5.8pp | 64.97%-48.0pp | 53.51%-36.5pp |
| Employer contribution / active EE | $2,557 | $1,678+52.3% | $2,549+0.3% | $2,552+0.2% |
| Participant deferral / active EE | $6,387 | $3,124+104.5% | $4,614+38.4% | $4,126+54.8% |
| Admin fee / account holder | $23,451 | $4,795+389.0% | $7,673+205.6% | $7,339+219.5% |