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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 | $46,493 | $65,364-28.9% | $92,909-50.0% | $72,975-36.3% |
| Participation rate | 98.7% | 68.3%+30.4pp | 76.0%+22.7pp | 69.5%+29.2pp |
| Annual return | 24.62% | 42.11%-17.5pp | 109.44%-84.8pp | 81.01%-56.4pp |
| Employer contribution / active EE | $2,681 | $2,594+3.4% | $3,653-26.6% | $2,440+9.9% |
| Participant deferral / active EE | $5,957 | $3,128+90.4% | $4,238+40.6% | $3,608+65.1% |
| Admin fee / account holder | $972 | $4,251-77.1% | $5,795-83.2% | $5,124-81.0% |