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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 | $69,629 | $88,672-21.5% | $105,223-33.8% | $82,448-15.5% |
| Participation rate | 92.6% | 67.9%+24.7pp | 75.0%+17.5pp | 68.1%+24.5pp |
| Annual return | 15.54% | 30.86%-15.3pp | 180.65%-165.1pp | 41.64%-26.1pp |
| Employer contribution / active EE | $2,022 | $3,048-33.6% | $3,689-45.2% | $2,551-20.7% |
| Participant deferral / active EE | $5,568 | $4,036+38.0% | $5,072+9.8% | $4,139+34.5% |
| Admin fee / account holder | $6,989 | $7,146-2.2% | $8,859-21.1% | $7,234-3.4% |