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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 | $49,207 | $58,275-15.6% | $81,844-39.9% | $80,935-39.2% |
| Participation rate | 90.8% | 63.5%+27.3pp | 72.4%+18.4pp | 67.7%+23.1pp |
| Annual return | 16.89% | 41.82%-24.9pp | 778.87%-762.0pp | 35.66%-18.8pp |
| Employer contribution / active EE | $2,306 | $2,346-1.7% | $2,916-20.9% | $2,757-16.3% |
| Participant deferral / active EE | $5,459 | $3,285+66.2% | $4,323+26.3% | $4,299+27.0% |
| Admin fee / account holder | $2,983 | $4,749-37.2% | $7,355-59.4% | $6,924-56.9% |