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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 | $38,552 | $48,432-20.4% | $121,169-68.2% | $71,495-46.1% |
| Participation rate | 73.0% | 54.3%+18.7pp | 69.5%+3.5pp | 67.9%+5.1pp |
| Annual return | 20.06% | 23.28%-3.2pp | 986.71%-966.6pp | 28.85%-8.8pp |
| Employer contribution / active EE | $3,264 | $1,493+118.6% | $4,168-21.7% | $2,589+26.0% |
| Participant deferral / active EE | $5,921 | $2,756+114.8% | $4,083+45.0% | $4,291+38.0% |
| Admin fee / account holder | $2,176 | $1,845+18.0% | $5,645-61.4% | $1,588+37.1% |