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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 | $45,775 | $55,902-18.1% | $76,030-39.8% | $80,959-43.5% |
| Participation rate | 96.8% | 62.1%+34.7pp | 69.1%+27.7pp | 67.7%+29.1pp |
| Annual return | 16.26% | 20.59%-4.3pp | 361.54%-345.3pp | 35.67%-19.4pp |
| Employer contribution / active EE | $4,847 | $1,867+159.7% | $2,688+80.4% | $2,757+75.8% |
| Participant deferral / active EE | $12,336 | $3,051+304.4% | $4,257+189.8% | $4,300+186.9% |
| Admin fee / account holder | $2,513 | $5,239-52.0% | $6,421-60.9% | $6,925-63.7% |