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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 | $43,993 | $99,994-56.0% | $146,643-70.0% | $85,847-48.8% |
| Participation rate | 94.9% | 73.1%+21.8pp | 80.1%+14.8pp | 69.3%+25.6pp |
| Annual return | 15.94% | 18.93%-3.0pp | 22.75%-6.8pp | 318.61%-302.7pp |
| Employer contribution / active EE | $2,011 | $2,559-21.4% | $4,137-51.4% | $2,565-21.6% |
| Participant deferral / active EE | $5,362 | $4,006+33.8% | $5,506-2.6% | $3,952+35.7% |
| Admin fee / account holder | $861 | $7,703-88.8% | $10,280-91.6% | $6,261-86.2% |