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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 | $38,134 | $78,428-51.4% | $95,960-60.3% | $79,852-52.2% |
| Participation rate | 83.6% | 73.5%+10.1pp | 77.1%+6.5pp | 69.6%+13.9pp |
| Annual return | 18.99% | 19.37%-0.4pp | 91.63%-72.6pp | 31.72%-12.7pp |
| Employer contribution / active EE | $3,456 | $1,945+77.7% | $2,541+36.0% | $2,471+39.9% |
| Participant deferral / active EE | $5,448 | $3,440+58.4% | $4,167+30.8% | $3,740+45.7% |
| Admin fee / account holder | $1,174 | $5,622-79.1% | $6,797-82.7% | $5,306-77.9% |