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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 | $30,354 | $48,053-36.8% | $84,623-64.1% | $72,983-58.4% |
| Participation rate | 96.8% | 57.6%+39.2pp | 68.2%+28.5pp | 69.5%+27.3pp |
| Annual return | 20.44% | 37.39%-16.9pp | 258.77%-238.3pp | 81.01%-60.6pp |
| Employer contribution / active EE | $2,632 | $1,602+64.3% | $2,652-0.8% | $2,440+7.9% |
| Participant deferral / active EE | $3,608 | $2,681+34.6% | $3,899-7.5% | $3,6080% |
| Admin fee / account holder | $2,310 | $3,395-32.0% | $4,913-53.0% | $5,124-54.9% |