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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 | $49,581 | $95,415-48.0% | $185,851-73.3% | $85,851-42.2% |
| Participation rate | 88.0% | 68.8%+19.2pp | 81.7%+6.3pp | 69.3%+18.7pp |
| Annual return | 11.76% | 23.59%-11.8pp | 122.11%-110.3pp | 318.63%-306.9pp |
| Employer contribution / active EE | $4,679 | $3,314+41.2% | $5,168-9.5% | $2,565+82.4% |
| Participant deferral / active EE | $2,251 | $3,424-34.3% | $5,569-59.6% | $3,952-43.1% |
| Admin fee / account holder | $820 | $7,215-88.6% | $16,245-95.0% | $6,261-86.9% |