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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 | $59,386 | $98,776-39.9% | $149,745-60.3% | $79,856-25.6% |
| Participation rate | 97.2% | 75.8%+21.4pp | 82.5%+14.7pp | 69.6%+27.6pp |
| Annual return | 15.54% | 27.38%-11.8pp | 276.72%-261.2pp | 31.71%-16.2pp |
| Employer contribution / active EE | $2,499 | $3,217-22.3% | $4,646-46.2% | $2,471+1.1% |
| Participant deferral / active EE | $6,076 | $5,681+7.0% | $6,843-11.2% | $3,741+62.4% |
| Admin fee / account holder | $14,721 | $6,053+143.2% | $9,312+58.1% | $5,306+177.4% |