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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 | $49,798 | $62,592-20.4% | $85,709-41.9% | $85,847-42.0% |
| Participation rate | 90.0% | 61.1%+28.9pp | 69.9%+20.1pp | 69.3%+20.7pp |
| Annual return | 16.70% | 23.77%-7.1pp | 21.49%-4.8pp | 318.61%-301.9pp |
| Employer contribution / active EE | $3,496 | $1,755+99.2% | $2,619+33.5% | $2,565+36.3% |
| Participant deferral / active EE | $6,293 | $2,802+124.6% | $3,924+60.4% | $3,952+59.2% |
| Admin fee / account holder | $2,886 | $4,643-37.8% | $6,876-58.0% | $6,261-53.9% |