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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 | $55,804 | $81,208-31.3% | $98,920-43.6% | $79,852-30.1% |
| Participation rate | 96.1% | 72.5%+23.6pp | 76.0%+20.0pp | 69.6%+26.4pp |
| Annual return | 18.59% | 60.99%-42.4pp | 196.47%-177.9pp | 31.72%-13.1pp |
| Employer contribution / active EE | $3,296 | $1,960+68.2% | $2,689+22.5% | $2,471+33.4% |
| Participant deferral / active EE | $3,248 | $3,265-0.5% | $4,245-23.5% | $3,740-13.2% |
| Admin fee / account holder | $899 | $6,013-85.0% | $6,643-86.5% | $5,306-83.1% |