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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 | $62,502 | $98,766-36.7% | $149,730-58.3% | $79,852-21.7% |
| Participation rate | 86.1% | 75.8%+10.3pp | 82.5%+3.6pp | 69.6%+16.5pp |
| Annual return | 26.09% | 27.43%-1.3pp | 276.70%-250.6pp | 31.72%-5.6pp |
| Employer contribution / active EE | $2,623 | $3,217-18.5% | $4,645-43.5% | $2,471+6.2% |
| Participant deferral / active EE | $5,362 | $5,681-5.6% | $6,843-21.6% | $3,740+43.3% |
| Admin fee / account holder | $1,943 | $6,052-67.9% | $9,310-79.1% | $5,306-63.4% |