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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 | $45,572 | $77,908-41.5% | $149,696-69.6% | $75,173-39.4% |
| Participation rate | 96.4% | 65.6%+30.8pp | 78.8%+17.7pp | 67.2%+29.2pp |
| Annual return | 20.46% | 31.73%-11.3pp | 134.46%-114.0pp | 160.72%-140.3pp |
| Employer contribution / active EE | $2,899 | $3,138-7.6% | $4,821-39.9% | $2,671+8.5% |
| Participant deferral / active EE | $7,804 | $3,411+128.8% | $5,682+37.3% | $4,126+89.1% |
| Admin fee / account holder | $1,391 | $5,950-76.6% | $13,212-89.5% | $5,651-75.4% |