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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 | $72,071 | $88,672-18.7% | $105,223-31.5% | $82,448-12.6% |
| Participation rate | 95.7% | 67.9%+27.8pp | 75.0%+20.7pp | 68.1%+27.7pp |
| Annual return | 18.27% | 30.86%-12.6pp | 180.65%-162.4pp | 41.64%-23.4pp |
| Employer contribution / active EE | $3,512 | $3,048+15.2% | $3,689-4.8% | $2,551+37.7% |
| Participant deferral / active EE | $2,939 | $4,036-27.2% | $5,072-42.0% | $4,139-29.0% |
| Admin fee / account holder | $324 | $7,146-95.5% | $8,859-96.3% | $7,234-95.5% |