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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 | $50,850 | $78,428-35.2% | $95,960-47.0% | $79,852-36.3% |
| Participation rate | 88.9% | 73.5%+15.4pp | 77.1%+11.8pp | 69.6%+19.3pp |
| Annual return | 14.96% | 19.37%-4.4pp | 91.63%-76.7pp | 31.72%-16.8pp |
| Employer contribution / active EE | $2,645 | $1,945+35.9% | $2,541+4.1% | $2,471+7.0% |
| Participant deferral / active EE | $4,863 | $3,440+41.4% | $4,167+16.7% | $3,740+30.0% |
| Admin fee / account holder | $1,389 | $5,622-75.3% | $6,797-79.6% | $5,306-73.8% |