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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 | $52,388 | $88,672-40.9% | $105,223-50.2% | $82,448-36.5% |
| Participation rate | 95.8% | 67.9%+27.9pp | 75.0%+20.8pp | 68.1%+27.8pp |
| Annual return | 13.36% | 30.86%-17.5pp | 180.65%-167.3pp | 41.64%-28.3pp |
| Employer contribution / active EE | $1,472 | $3,048-51.7% | $3,689-60.1% | $2,551-42.3% |
| Participant deferral / active EE | $4,497 | $4,036+11.4% | $5,072-11.3% | $4,139+8.6% |
| Admin fee / account holder | $624 | $7,146-91.3% | $8,859-93.0% | $7,234-91.4% |