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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 | $54,790 | $73,107-25.1% | $114,563-52.2% | $87,485-37.4% |
| Participation rate | 94.2% | 65.8%+28.4pp | 72.9%+21.3pp | 68.9%+25.3pp |
| Annual return | 17.15% | 19.47%-2.3pp | 241.09%-223.9pp | 26.06%-8.9pp |
| Employer contribution / active EE | $2,671 | $1,881+42.0% | $2,592+3.0% | $2,596+2.9% |
| Participant deferral / active EE | $4,767 | $3,144+51.6% | $4,142+15.1% | $4,274+11.5% |
| Admin fee / account holder | $1,914 | $5,770-66.8% | $7,623-74.9% | $7,775-75.4% |