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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 | $51,193 | $78,428-34.7% | $95,960-46.7% | $79,852-35.9% |
| Participation rate | 86.2% | 73.5%+12.7pp | 77.1%+9.1pp | 69.6%+16.6pp |
| Annual return | 17.82% | 19.37%-1.6pp | 91.63%-73.8pp | 31.72%-13.9pp |
| Employer contribution / active EE | $2,187 | $1,945+12.4% | $2,541-14.0% | $2,471-11.5% |
| Participant deferral / active EE | $2,065 | $3,440-40.0% | $4,167-50.5% | $3,740-44.8% |
| Admin fee / account holder | $667 | $5,622-88.1% | $6,797-90.2% | $5,306-87.4% |