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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 | $48,818 | $124,336-60.7% | $111,303-56.1% | $167,518-70.9% |
| Participation rate | 90.0% | 79.6%+10.4pp | 77.3%+12.7pp | 82.1%+7.9pp |
| Annual return | 14.67% | 37.45%-22.8pp | 54.66%-40.0pp | 478.71%-464.0pp |
| Employer contribution / active EE | $2,220 | $3,436-35.4% | $2,731-18.7% | $4,838-54.1% |
| Participant deferral / active EE | $2,493 | $5,181-51.9% | $4,487-44.4% | $6,342-60.7% |
| Admin fee / account holder | $847 | $10,623-92.0% | $7,966-89.4% | $12,312-93.1% |