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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 | $53,454 | $55,930-4.4% | $76,089-29.7% | $80,925-33.9% |
| Participation rate | 95.7% | 62.1%+33.7pp | 69.1%+26.7pp | 67.7%+28.1pp |
| Annual return | 13.34% | 20.58%-7.2pp | 360.94%-347.6pp | 35.65%-22.3pp |
| Employer contribution / active EE | $3,368 | $1,866+80.5% | $2,690+25.2% | $2,756+22.2% |
| Participant deferral / active EE | $5,895 | $3,051+93.2% | $4,259+38.4% | $4,299+37.1% |
| Admin fee / account holder | $3,485 | $5,241-33.5% | $6,418-45.7% | $6,940-49.8% |