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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 | $61,106 | $103,392-40.9% | $87,104-29.8% | $152,897-60.0% |
| Participation rate | 95.8% | 79.4%+16.5pp | 76.9%+19.0pp | 82.5%+13.4pp |
| Annual return | 19.94% | 28.10%-8.2pp | 28.19%-8.2pp | 345.43%-325.5pp |
| Employer contribution / active EE | $2,920 | $3,221-9.4% | $2,521+15.8% | $4,764-38.7% |
| Participant deferral / active EE | $3,052 | $4,778-36.1% | $4,048-24.6% | $5,851-47.8% |
| Admin fee / account holder | $438 | $12,194-96.4% | $7,491-94.2% | $11,599-96.2% |