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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 | $61,590 | $96,731-36.3% | $123,973-50.3% | $86,983-29.2% |
| Participation rate | 90.7% | 70.0%+20.6pp | 76.7%+14.0pp | 69.5%+21.1pp |
| Annual return | 18.32% | 17.33%+1.0pp | 388.13%-369.8pp | 25.83%-7.5pp |
| Employer contribution / active EE | $1,941 | $3,297-41.1% | $4,126-53.0% | $2,584-24.9% |
| Participant deferral / active EE | $4,478 | $4,152+7.9% | $5,247-14.6% | $4,194+6.8% |
| Admin fee / account holder | $1,148 | $8,722-86.8% | $11,799-90.3% | $7,856-85.4% |