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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 | $51,148 | $98,776-48.2% | $149,745-65.8% | $79,856-35.9% |
| Participation rate | 80.6% | 75.8%+4.9pp | 82.5%-1.8pp | 69.6%+11.0pp |
| Annual return | 16.45% | 27.38%-10.9pp | 276.72%-260.3pp | 31.71%-15.3pp |
| Employer contribution / active EE | $6,994 | $3,217+117.4% | $4,646+50.5% | $2,471+183.0% |
| Participant deferral / active EE | $3,441 | $5,681-39.4% | $6,843-49.7% | $3,741-8.0% |
| Admin fee / account holder | $2,036 | $6,053-66.4% | $9,312-78.1% | $5,306-61.6% |