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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 | $45,339 | $60,442-25.0% | $96,754-53.1% | $87,485-48.2% |
| Participation rate | 96.7% | 58.7%+38.0pp | 70.3%+26.4pp | 68.9%+27.7pp |
| Annual return | 19.38% | 21.97%-2.6pp | 82.04%-62.7pp | 26.06%-6.7pp |
| Employer contribution / active EE | $2,121 | $1,691+25.5% | $2,679-20.8% | $2,596-18.3% |
| Participant deferral / active EE | $3,515 | $3,280+7.2% | $4,758-26.1% | $4,274-17.7% |
| Admin fee / account holder | $1,143 | $5,069-77.5% | $8,905-87.2% | $7,775-85.3% |