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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 | $94,436-49.6% | $115,599-58.8% | $82,637-42.4% |
| Participation rate | 88.7% | 70.4%+18.3pp | 74.3%+14.4pp | 68.1%+20.6pp |
| Annual return | 14.74% | 18.37%-3.6pp | 111.10%-96.4pp | 53.51%-38.8pp |
| Employer contribution / active EE | $2,263 | $2,324-2.6% | $2,955-23.4% | $2,552-11.3% |
| Participant deferral / active EE | $4,490 | $3,955+13.5% | $4,889-8.2% | $4,126+8.8% |
| Admin fee / account holder | $4,558 | $10,328-55.9% | $12,841-64.5% | $7,339-37.9% |