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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 | $49,669 | $98,760-49.7% | $149,715-66.8% | $79,858-37.8% |
| Participation rate | 88.5% | 75.8%+12.7pp | 82.5%+6.0pp | 69.6%+18.8pp |
| Annual return | 18.18% | 27.43%-9.2pp | 276.66%-258.5pp | 31.72%-13.5pp |
| Employer contribution / active EE | $4,121 | $3,217+28.1% | $4,645-11.3% | $2,471+66.8% |
| Participant deferral / active EE | $6,324 | $5,681+11.3% | $6,842-7.6% | $3,740+69.1% |
| Admin fee / account holder | $1,459 | $6,053-75.9% | $9,310-84.3% | $5,306-72.5% |