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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 | $45,869 | $91,198-49.7% | $178,503-74.3% | $79,856-42.6% |
| Participation rate | 97.1% | 69.2%+27.9pp | 81.9%+15.2pp | 69.6%+27.5pp |
| Annual return | 12.21% | 24.20%-12.0pp | 151.12%-138.9pp | 31.71%-19.5pp |
| Employer contribution / active EE | $2,842 | $3,257-12.7% | $5,011-43.3% | $2,471+15.0% |
| Participant deferral / active EE | $3,613 | $3,237+11.6% | $5,202-30.5% | $3,741-3.4% |
| Admin fee / account holder | $318 | $6,748-95.3% | $13,987-97.7% | $5,306-94.0% |