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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 | $48,367 | $58,311-17.1% | $81,882-40.9% | $80,959-40.3% |
| Participation rate | 90.4% | 63.5%+26.9pp | 72.4%+18.0pp | 67.7%+22.7pp |
| Annual return | 12.88% | 41.85%-29.0pp | 779.47%-766.6pp | 35.67%-22.8pp |
| Employer contribution / active EE | $2,196 | $2,347-6.4% | $2,916-24.7% | $2,757-20.4% |
| Participant deferral / active EE | $3,705 | $3,287+12.7% | $4,323-14.3% | $4,300-13.8% |
| Admin fee / account holder | $3,774 | $4,752-20.6% | $7,360-48.7% | $6,925-45.5% |