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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 | $42,606 | $98,776-56.9% | $149,745-71.5% | $79,856-46.6% |
| Participation rate | 97.4% | 75.8%+21.6pp | 82.5%+15.0pp | 69.6%+27.8pp |
| Annual return | 21.46% | 27.38%-5.9pp | 276.72%-255.3pp | 31.71%-10.3pp |
| Employer contribution / active EE | $2,478 | $3,217-23.0% | $4,646-46.7% | $2,471+0.3% |
| Participant deferral / active EE | $5,660 | $5,681-0.4% | $6,843-17.3% | $3,741+51.3% |
| Admin fee / account holder | $1,037 | $6,053-82.9% | $9,312-88.9% | $5,306-80.5% |