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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 | $49,490 | $54,757-9.6% | $90,300-45.2% | $72,983-32.2% |
| Participation rate | 97.1% | 65.1%+31.9pp | 73.3%+23.8pp | 69.5%+27.6pp |
| Annual return | 22.25% | 30.63%-8.4pp | 78.11%-55.9pp | 81.01%-58.8pp |
| Employer contribution / active EE | $4,342 | $2,092+107.5% | $2,854+52.1% | $2,440+77.9% |
| Participant deferral / active EE | $4,004 | $2,887+38.7% | $3,884+3.1% | $3,608+11.0% |
| Admin fee / account holder | $1,894 | $3,972-52.3% | $5,353-64.6% | $5,124-63.0% |