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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 | $51,974 | $87,106-40.3% | $105,607-50.8% | $80,935-35.8% |
| Participation rate | 97.6% | 70.4%+27.2pp | 75.3%+22.3pp | 67.7%+30.0pp |
| Annual return | 14.48% | 17.01%-2.5pp | 116.11%-101.6pp | 35.66%-21.2pp |
| Employer contribution / active EE | $3,006 | $2,396+25.4% | $3,167-5.1% | $2,757+9.0% |
| Participant deferral / active EE | $4,602 | $3,986+15.5% | $5,011-8.2% | $4,299+7.0% |
| Admin fee / account holder | $2,453 | $8,447-71.0% | $10,958-77.6% | $6,924-64.6% |