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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 | $52,699 | $58,275-9.6% | $81,844-35.6% | $80,935-34.9% |
| Participation rate | 96.3% | 63.5%+32.8pp | 72.4%+23.9pp | 67.7%+28.6pp |
| Annual return | 16.71% | 41.82%-25.1pp | 778.87%-762.2pp | 35.66%-18.9pp |
| Employer contribution / active EE | $2,109 | $2,346-10.1% | $2,916-27.7% | $2,757-23.5% |
| Participant deferral / active EE | $5,130 | $3,285+56.2% | $4,323+18.7% | $4,299+19.3% |
| Admin fee / account holder | $2,809 | $4,749-40.8% | $7,355-61.8% | $6,924-59.4% |