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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 | $56,812 | $78,423-27.6% | $95,964-40.8% | $79,856-28.9% |
| Participation rate | 97.7% | 73.5%+24.2pp | 77.1%+20.6pp | 69.6%+28.1pp |
| Annual return | 10.46% | 19.37%-8.9pp | 91.64%-81.2pp | 31.71%-21.3pp |
| Employer contribution / active EE | $2,420 | $1,945+24.4% | $2,541-4.8% | $2,471-2.1% |
| Participant deferral / active EE | $3,783 | $3,440+10.0% | $4,167-9.2% | $3,741+1.1% |
| Admin fee / account holder | $4,161 | $5,622-26.0% | $6,797-38.8% | $5,306-21.6% |