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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 | $43,323 | $78,707-45.0% | $117,861-63.2% | $70,126-38.2% |
| Participation rate | 74.3% | 73.2%+1.1pp | 79.7%-5.4pp | 69.5%+4.7pp |
| Annual return | 20.56% | 23.30%-2.7pp | 335.11%-314.5pp | 73.15%-52.6pp |
| Employer contribution / active EE | $1,846 | $2,223-17.0% | $3,786-51.2% | $2,343-21.2% |
| Participant deferral / active EE | $3,695 | $3,297+12.1% | $4,482-17.6% | $3,332+10.9% |
| Admin fee / account holder | $503 | $5,066-90.1% | $8,021-93.7% | $4,645-89.2% |