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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 | $55,990 | $98,760-43.3% | $149,715-62.6% | $79,858-29.9% |
| Participation rate | 95.2% | 75.8%+19.5pp | 82.5%+12.8pp | 69.6%+25.6pp |
| Annual return | 14.68% | 27.43%-12.7pp | 276.66%-262.0pp | 31.72%-17.0pp |
| Employer contribution / active EE | $2,746 | $3,217-14.6% | $4,645-40.9% | $2,471+11.1% |
| Participant deferral / active EE | $5,738 | $5,681+1.0% | $6,842-16.1% | $3,740+53.4% |
| Admin fee / account holder | $1,969 | $6,053-67.5% | $9,310-78.8% | $5,306-62.9% |