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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 | $43,819 | $78,690-44.3% | $161,489-72.9% | $87,485-49.9% |
| Participation rate | 98.3% | 67.5%+30.9pp | 78.7%+19.6pp | 68.9%+29.4pp |
| Annual return | 18.12% | 32.74%-14.6pp | 89.72%-71.6pp | 26.06%-7.9pp |
| Employer contribution / active EE | $5,177 | $2,588+100.0% | $4,268+21.3% | $2,596+99.4% |
| Participant deferral / active EE | $2,136 | $3,311-35.5% | $5,630-62.1% | $4,274-50.0% |
| Admin fee / account holder | $2,219 | $6,724-67.0% | $16,006-86.1% | $7,775-71.5% |