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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 | $51,283 | $48,364+6.0% | $71,796-28.6% | $62,881-18.4% |
| Participation rate | 94.7% | 60.6%+34.0pp | 69.1%+25.6pp | 69.3%+25.4pp |
| Annual return | 9.95% | 13.16%-3.2pp | 78.04%-68.1pp | 20.14%-10.2pp |
| Employer contribution / active EE | $1,338 | $1,042+28.4% | $1,924-30.5% | $2,281-41.4% |
| Participant deferral / active EE | $4,106 | $2,091+96.4% | $2,794+46.9% | $3,203+28.2% |
| Admin fee / account holder | $1,579 | $3,771-58.1% | $4,815-67.2% | $4,296-63.2% |