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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 | $33,611 | $107,368-68.7% | $92,915-63.8% | $152,909-78.0% |
| Participation rate | 94.4% | 79.8%+14.7pp | 76.0%+18.4pp | 82.5%+12.0pp |
| Annual return | 21.27% | 145.64%-124.4pp | 109.45%-88.2pp | 345.46%-324.2pp |
| Employer contribution / active EE | $1,614 | $4,222-61.8% | $3,653-55.8% | $4,764-66.1% |
| Participant deferral / active EE | $4,248 | $4,848-12.4% | $4,238+0.2% | $5,851-27.4% |
| Admin fee / account holder | $1,237 | $7,082-82.5% | $5,796-78.7% | $11,601-89.3% |