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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 | $55,518 | $77,908-28.7% | $149,696-62.9% | $75,173-26.1% |
| Participation rate | 86.2% | 65.6%+20.6pp | 78.8%+7.4pp | 67.2%+19.0pp |
| Annual return | 17.28% | 31.73%-14.4pp | 134.46%-117.2pp | 160.72%-143.4pp |
| Employer contribution / active EE | $5,635 | $3,138+79.6% | $4,821+16.9% | $2,671+111.0% |
| Participant deferral / active EE | $3,932 | $3,411+15.3% | $5,682-30.8% | $4,126-4.7% |
| Admin fee / account holder | $307 | $5,950-94.8% | $13,212-97.7% | $5,651-94.6% |