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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 | $46,251 | $53,128-12.9% | $86,582-46.6% | $70,126-34.0% |
| Participation rate | 92.3% | 65.3%+27.0pp | 73.5%+18.8pp | 69.5%+22.8pp |
| Annual return | 14.28% | 27.66%-13.4pp | 965.08%-950.8pp | 73.15%-58.9pp |
| Employer contribution / active EE | $2,653 | $2,068+28.3% | $2,839-6.6% | $2,343+13.3% |
| Participant deferral / active EE | $4,371 | $2,695+62.2% | $3,609+21.1% | $3,332+31.2% |
| Admin fee / account holder | $2,669 | $3,584-25.5% | $4,904-45.6% | $4,645-42.5% |