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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 | $45,628 | $125,797-63.7% | $170,028-73.2% | $75,181-39.3% |
| Participation rate | 96.4% | 83.6%+12.8pp | 87.0%+9.4pp | 67.2%+29.2pp |
| Annual return | 18.82% | 27.20%-8.4pp | 53.39%-34.6pp | 160.69%-141.9pp |
| Employer contribution / active EE | $4,965 | $4,616+7.6% | $6,788-26.9% | $2,671+85.9% |
| Participant deferral / active EE | $5,485 | $6,838-19.8% | $10,409-47.3% | $4,126+32.9% |
| Admin fee / account holder | $1,889 | $8,177-76.9% | $12,820-85.3% | $5,650-66.6% |