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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 | $52,970 | $78,428-32.5% | $95,960-44.8% | $79,852-33.7% |
| Participation rate | 97.1% | 73.5%+23.6pp | 77.1%+20.0pp | 69.6%+27.4pp |
| Annual return | 14.10% | 19.37%-5.3pp | 91.63%-77.5pp | 31.72%-17.6pp |
| Employer contribution / active EE | $2,160 | $1,945+11.0% | $2,541-15.0% | $2,471-12.6% |
| Participant deferral / active EE | $4,699 | $3,440+36.6% | $4,167+12.8% | $3,740+25.6% |
| Admin fee / account holder | $2,586 | $5,622-54.0% | $6,797-62.0% | $5,306-51.3% |