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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 | $49,660 | $48,011+3.4% | $63,803-22.2% | $82,637-39.9% |
| Participation rate | 97.4% | 66.6%+30.9pp | 72.7%+24.7pp | 68.1%+29.4pp |
| Annual return | 14.44% | 19.84%-5.4pp | 543.72%-529.3pp | 53.51%-39.1pp |
| Employer contribution / active EE | $2,543 | $1,904+33.6% | $2,532+0.4% | $2,552-0.4% |
| Participant deferral / active EE | $2,625 | $2,846-7.8% | $3,843-31.7% | $4,126-36.4% |
| Admin fee / account holder | $2,012 | $3,873-48.0% | $5,196-61.3% | $7,339-72.6% |