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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 | $50,837 | $65,361-22.2% | $92,903-45.3% | $72,983-30.3% |
| Participation rate | 100.0% | 68.3%+31.7pp | 76.0%+24.0pp | 69.5%+30.5pp |
| Annual return | 24.74% | 42.11%-17.4pp | 109.43%-84.7pp | 81.01%-56.3pp |
| Employer contribution / active EE | $1,559 | $2,594-39.9% | $3,653-57.3% | $2,440-36.1% |
| Participant deferral / active EE | $3,474 | $3,128+11.0% | $4,238-18.0% | $3,608-3.7% |
| Admin fee / account holder | $5,027 | $4,251+18.3% | $5,795-13.2% | $5,124-1.9% |