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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 | $50,571 | $94,439-46.5% | $73,658-31.3% | $154,746-67.3% |
| Participation rate | 94.4% | 64.7%+29.8pp | 57.0%+37.4pp | 80.7%+13.7pp |
| Annual return | 15.74% | 28.25%-12.5pp | 29.72%-14.0pp | 172.34%-156.6pp |
| Employer contribution / active EE | $1,264 | $1,257+0.6% | $1,032+22.5% | $4,379-71.1% |
| Participant deferral / active EE | $3,767 | $2,527+49.1% | $2,062+82.7% | $6,730-44.0% |
| Admin fee / account holder | $2,080 | $3,843-45.9% | $3,357-38.0% | $14,365-85.5% |