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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 | $47,961 | $52,580-8.8% | $71,671-33.1% | $70,126-31.6% |
| Participation rate | 96.0% | 60.9%+35.1pp | 68.7%+27.3pp | 69.5%+26.5pp |
| Annual return | 19.91% | 20.25%-0.3pp | 20.65%-0.7pp | 73.15%-53.2pp |
| Employer contribution / active EE | $5,578 | $1,616+245.2% | $2,460+126.8% | $2,343+138.1% |
| Participant deferral / active EE | $3,912 | $2,386+63.9% | $3,438+13.8% | $3,332+17.4% |
| Admin fee / account holder | $1,502 | $3,653-58.9% | $5,558-73.0% | $4,645-67.7% |