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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 | $52,108 | $89,367-41.7% | $141,191-63.1% | $72,975-28.6% |
| Participation rate | 98.4% | 75.1%+23.3pp | 82.5%+15.9pp | 69.5%+28.9pp |
| Annual return | 23.78% | 111.87%-88.1pp | 71.41%-47.6pp | 81.01%-57.2pp |
| Employer contribution / active EE | $2,672 | $3,115-14.2% | $4,736-43.6% | $2,440+9.5% |
| Participant deferral / active EE | $8,267 | $5,419+52.6% | $6,710+23.2% | $3,608+129.1% |
| Admin fee / account holder | $4,378 | $5,957-26.5% | $10,264-57.3% | $5,124-14.6% |