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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 | $59,548 | $114,119-47.8% | $107,187-44.4% | $138,895-57.1% |
| Participation rate | 91.7% | 78.1%+13.6pp | 75.0%+16.6pp | 79.9%+11.7pp |
| Annual return | 16.47% | 273.21%-256.7pp | 204.55%-188.1pp | 145.39%-128.9pp |
| Employer contribution / active EE | $1,871 | $4,059-53.9% | $3,782-50.5% | $4,194-55.4% |
| Participant deferral / active EE | $3,026 | $5,538-45.4% | $5,096-40.6% | $6,396-52.7% |
| Admin fee / account holder | $4,332 | $10,024-56.8% | $9,162-52.7% | $12,562-65.5% |