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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 | $45,640 | $49,976-8.7% | $66,674-31.5% | $82,637-44.8% |
| Participation rate | 96.3% | 63.1%+33.2pp | 73.7%+22.6pp | 68.1%+28.2pp |
| Annual return | 19.54% | 39.09%-19.6pp | 321.24%-301.7pp | 53.51%-34.0pp |
| Employer contribution / active EE | $2,429 | $1,988+22.2% | $2,620-7.3% | $2,552-4.8% |
| Participant deferral / active EE | $4,737 | $2,847+66.4% | $4,084+16.0% | $4,126+14.8% |
| Admin fee / account holder | $2,385 | $4,594-48.1% | $5,098-53.2% | $7,339-67.5% |