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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 | $49,156 | $91,037-46.0% | $71,671-31.4% | $147,585-66.7% |
| Participation rate | 93.8% | 76.1%+17.6pp | 68.7%+25.0pp | 82.8%+10.9pp |
| Annual return | 12.16% | 20.48%-8.3pp | 20.65%-8.5pp | 578.58%-566.4pp |
| Employer contribution / active EE | $0 | $3,327-100.0% | $2,460-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $5,113 | $4,498+13.7% | $3,438+48.7% | $5,439-6.0% |
| Admin fee / account holder | $4,204 | $8,613-51.2% | $5,558-24.4% | $10,886-61.4% |