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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 | $45,067 | $101,795-55.7% | $165,100-72.7% | $80,959-44.3% |
| Participation rate | 92.9% | 71.8%+21.0pp | 78.6%+14.2pp | 67.7%+25.2pp |
| Annual return | 12.31% | 16.73%-4.4pp | 70.21%-57.9pp | 35.67%-23.4pp |
| Employer contribution / active EE | $2,571 | $2,954-13.0% | $4,348-40.9% | $2,757-6.7% |
| Participant deferral / active EE | $2,115 | $4,476-52.7% | $6,035-64.9% | $4,300-50.8% |
| Admin fee / account holder | $3,798 | $8,221-53.8% | $12,696-70.1% | $6,925-45.2% |