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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 | $66,441 | $98,766-32.7% | $149,730-55.6% | $79,852-16.8% |
| Participation rate | 92.3% | 75.8%+16.5pp | 82.5%+9.8pp | 69.6%+22.7pp |
| Annual return | 27.11% | 27.43%-0.3pp | 276.70%-249.6pp | 31.72%-4.6pp |
| Employer contribution / active EE | $1,884 | $3,217-41.4% | $4,645-59.4% | $2,471-23.8% |
| Participant deferral / active EE | $5,086 | $5,681-10.5% | $6,843-25.7% | $3,740+36.0% |
| Admin fee / account holder | $855 | $6,052-85.9% | $9,310-90.8% | $5,306-83.9% |