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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 | $60,088 | $114,119-47.3% | $107,187-43.9% | $138,895-56.7% |
| Participation rate | 95.2% | 78.1%+17.2pp | 75.0%+20.2pp | 79.9%+15.3pp |
| Annual return | 15.41% | 273.21%-257.8pp | 204.55%-189.1pp | 145.39%-130.0pp |
| Employer contribution / active EE | $2,673 | $4,059-34.1% | $3,782-29.3% | $4,194-36.3% |
| Participant deferral / active EE | $6,323 | $5,538+14.2% | $5,096+24.1% | $6,396-1.1% |
| Admin fee / account holder | $344 | $10,024-96.6% | $9,162-96.3% | $12,562-97.3% |