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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 | $54,446 | $51,638+5.4% | $68,368-20.4% | $82,448-34.0% |
| Participation rate | 86.8% | 63.6%+23.2pp | 73.8%+13.0pp | 68.1%+18.7pp |
| Annual return | 14.77% | 37.53%-22.8pp | 292.57%-277.8pp | 41.64%-26.9pp |
| Employer contribution / active EE | $960 | $2,047-53.1% | $2,649-63.8% | $2,551-62.4% |
| Participant deferral / active EE | $3,982 | $2,914+36.7% | $4,123-3.4% | $4,139-3.8% |
| Admin fee / account holder | $9,755 | $4,643+110.1% | $5,150+89.4% | $7,234+34.8% |