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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 | $45,504 | $89,259-49.0% | $107,187-57.5% | $82,637-44.9% |
| Participation rate | 95.1% | 67.9%+27.2pp | 75.0%+20.1pp | 68.1%+27.1pp |
| Annual return | 13.06% | 21.02%-8.0pp | 204.55%-191.5pp | 53.51%-40.4pp |
| Employer contribution / active EE | $3,376 | $3,080+9.6% | $3,782-10.7% | $2,552+32.3% |
| Participant deferral / active EE | $2,904 | $4,037-28.1% | $5,096-43.0% | $4,126-29.6% |
| Admin fee / account holder | $4,911 | $7,381-33.5% | $9,162-46.4% | $7,339-33.1% |