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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 | $61,807 | $55,889+10.6% | $76,119-18.8% | $80,935-23.6% |
| Participation rate | 92.3% | 62.1%+30.2pp | 69.1%+23.2pp | 67.7%+24.6pp |
| Annual return | 12.40% | 20.58%-8.2pp | 361.25%-348.8pp | 35.66%-23.3pp |
| Employer contribution / active EE | $4,003 | $1,866+114.5% | $2,693+48.7% | $2,757+45.2% |
| Participant deferral / active EE | $2,887 | $3,051-5.4% | $4,259-32.2% | $4,299-32.8% |
| Admin fee / account holder | $2,224 | $5,241-57.6% | $6,421-65.4% | $6,924-67.9% |