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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 | $41,036 | $87,106-52.9% | $105,607-61.1% | $80,935-49.3% |
| Participation rate | 90.9% | 70.4%+20.5pp | 75.3%+15.6pp | 67.7%+23.2pp |
| Annual return | 10.57% | 17.01%-6.4pp | 116.11%-105.5pp | 35.66%-25.1pp |
| Employer contribution / active EE | $1,780 | $2,396-25.7% | $3,167-43.8% | $2,757-35.4% |
| Participant deferral / active EE | $4,672 | $3,986+17.2% | $5,011-6.8% | $4,299+8.7% |
| Admin fee / account holder | $8,505 | $8,447+0.7% | $10,958-22.4% | $6,924+22.8% |