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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 | $47,627 | $101,950-53.3% | $125,529-62.1% | $86,983-45.2% |
| Participation rate | 88.7% | 70.2%+18.5pp | 74.7%+14.0pp | 69.5%+19.1pp |
| Annual return | 14.74% | 18.29%-3.5pp | 202.56%-187.8pp | 25.83%-11.1pp |
| Employer contribution / active EE | $2,263 | $2,358-4.0% | $3,058-26.0% | $2,584-12.4% |
| Participant deferral / active EE | $4,490 | $3,862+16.3% | $4,813-6.7% | $4,194+7.1% |
| Admin fee / account holder | $4,558 | $12,791-64.4% | $16,298-72.0% | $7,856-42.0% |