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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 | $30,355 | $98,766-69.3% | $149,730-79.7% | $79,852-62.0% |
| Participation rate | 89.7% | 75.8%+13.9pp | 82.5%+7.2pp | 69.6%+20.0pp |
| Annual return | 23.82% | 27.43%-3.6pp | 276.70%-252.9pp | 31.72%-7.9pp |
| Employer contribution / active EE | $2,517 | $3,217-21.7% | $4,645-45.8% | $2,471+1.9% |
| Participant deferral / active EE | $5,723 | $5,681+0.7% | $6,843-16.4% | $3,740+53.0% |
| Admin fee / account holder | $7,344 | $6,052+21.3% | $9,310-21.1% | $5,306+38.4% |