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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 | $60,676 | $107,421-43.5% | $182,262-66.7% | $94,015-35.5% |
| Participation rate | 96.0% | 77.8%+18.2pp | 84.2%+11.8pp | 70.8%+25.2pp |
| Annual return | 14.09% | 21.32%-7.2pp | 140.60%-126.5pp | 17.84%-3.8pp |
| Employer contribution / active EE | $2,040 | $3,448-40.8% | $5,046-59.6% | $2,790-26.9% |
| Participant deferral / active EE | $3,484 | $6,558-46.9% | $8,276-57.9% | $4,249-18.0% |
| Admin fee / account holder | $9,520 | $8,692+9.5% | $16,712-43.0% | $8,951+6.4% |