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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 | $49,252 | $57,140-13.8% | $85,240-42.2% | $80,959-39.2% |
| Participation rate | 95.2% | 56.4%+38.8pp | 67.5%+27.7pp | 67.7%+27.6pp |
| Annual return | 28.29% | 21.71%+6.6pp | 66.75%-38.5pp | 35.67%-7.4pp |
| Employer contribution / active EE | $0 | $1,802-100.0% | $2,735-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $14,646 | $3,115+370.2% | $4,527+223.5% | $4,300+240.6% |
| Admin fee / account holder | $6,833 | $4,992+36.9% | $6,165+10.8% | $6,925-1.3% |