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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 | $55,068 | $78,428-29.8% | $95,960-42.6% | $79,852-31.0% |
| Participation rate | 95.9% | 73.5%+22.5pp | 77.1%+18.9pp | 69.6%+26.3pp |
| Annual return | 18.25% | 19.37%-1.1pp | 91.63%-73.4pp | 31.72%-13.5pp |
| Employer contribution / active EE | $2,148 | $1,945+10.4% | $2,541-15.5% | $2,471-13.1% |
| Participant deferral / active EE | $4,250 | $3,440+23.5% | $4,167+2.0% | $3,740+13.6% |
| Admin fee / account holder | $2,283 | $5,622-59.4% | $6,797-66.4% | $5,306-57.0% |