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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 | $43,583 | $94,031-53.7% | $115,768-62.4% | $82,448-47.1% |
| Participation rate | 93.2% | 70.4%+22.8pp | 74.4%+18.8pp | 68.1%+25.2pp |
| Annual return | 15.46% | 20.61%-5.2pp | 100.46%-85.0pp | 41.64%-26.2pp |
| Employer contribution / active EE | $3,572 | $2,323+53.8% | $2,940+21.5% | $2,551+40.0% |
| Participant deferral / active EE | $5,513 | $3,972+38.8% | $4,917+12.1% | $4,139+33.2% |
| Admin fee / account holder | $6,612 | $10,249-35.5% | $12,439-46.8% | $7,234-8.6% |