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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 | $54,495 | $78,428-30.5% | $95,960-43.2% | $79,852-31.8% |
| Participation rate | 83.9% | 73.5%+10.4pp | 77.1%+6.8pp | 69.6%+14.2pp |
| Annual return | 16.94% | 19.37%-2.4pp | 91.63%-74.7pp | 31.72%-14.8pp |
| Employer contribution / active EE | $2,862 | $1,945+47.1% | $2,541+12.6% | $2,471+15.8% |
| Participant deferral / active EE | $6,094 | $3,440+77.2% | $4,167+46.3% | $3,740+62.9% |
| Admin fee / account holder | $3,088 | $5,622-45.1% | $6,797-54.6% | $5,306-41.8% |