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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 | $45,771 | $74,535-38.6% | $100,712-54.6% | $82,637-44.6% |
| Participation rate | 97.4% | 61.2%+36.2pp | 69.3%+28.1pp | 68.1%+29.3pp |
| Annual return | 16.55% | 18.92%-2.4pp | 33.27%-16.7pp | 53.51%-37.0pp |
| Employer contribution / active EE | $2,845 | $1,503+89.3% | $2,313+23.0% | $2,552+11.5% |
| Participant deferral / active EE | $2,681 | $3,074-12.8% | $4,085-34.4% | $4,126-35.0% |
| Admin fee / account holder | $11,823 | $6,576+79.8% | $9,256+27.7% | $7,339+61.1% |