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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 | $48,395 | $118,708-59.2% | $98,920-51.1% | $158,966-69.6% |
| Participation rate | 93.8% | 77.8%+15.9pp | 76.0%+17.7pp | 82.0%+11.8pp |
| Annual return | 12.28% | 372.49%-360.2pp | 196.47%-184.2pp | 302.95%-290.7pp |
| Employer contribution / active EE | $1,107 | $3,334-66.8% | $2,689-58.9% | $4,762-76.8% |
| Participant deferral / active EE | $4,961 | $5,089-2.5% | $4,245+16.9% | $5,983-17.1% |
| Admin fee / account holder | $11,684 | $10,134+15.3% | $6,643+75.9% | $11,250+3.9% |