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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 | $79,560 | $93,345-14.8% | $119,126-33.2% | $87,485-9.1% |
| Participation rate | 94.7% | 68.7%+26.0pp | 75.8%+19.0pp | 68.9%+25.8pp |
| Annual return | 19.41% | 19.08%+0.3pp | 282.11%-262.7pp | 26.06%-6.7pp |
| Employer contribution / active EE | $2,593 | $3,172-18.2% | $4,034-35.7% | $2,596-0.1% |
| Participant deferral / active EE | $3,811 | $4,099-7.0% | $5,318-28.3% | $4,274-10.8% |
| Admin fee / account holder | $1,838 | $8,039-77.1% | $10,693-82.8% | $7,775-76.4% |