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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 | $88,672-10.3% | $105,223-24.4% | $82,448-3.5% |
| Participation rate | 94.7% | 67.9%+26.8pp | 75.0%+19.7pp | 68.1%+26.7pp |
| Annual return | 19.41% | 30.86%-11.4pp | 180.65%-161.2pp | 41.64%-22.2pp |
| Employer contribution / active EE | $2,593 | $3,048-14.9% | $3,689-29.7% | $2,551+1.6% |
| Participant deferral / active EE | $3,811 | $4,036-5.6% | $5,072-24.9% | $4,139-7.9% |
| Admin fee / account holder | $1,838 | $7,146-74.3% | $8,859-79.3% | $7,234-74.6% |