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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 | $61,836 | $107,421-42.4% | $182,262-66.1% | $94,015-34.2% |
| Participation rate | 97.8% | 77.8%+20.0pp | 84.2%+13.6pp | 70.8%+27.0pp |
| Annual return | 12.95% | 21.32%-8.4pp | 140.60%-127.7pp | 17.84%-4.9pp |
| Employer contribution / active EE | $2,339 | $3,448-32.2% | $5,046-53.7% | $2,790-16.2% |
| Participant deferral / active EE | $3,557 | $6,558-45.8% | $8,276-57.0% | $4,249-16.3% |
| Admin fee / account holder | $2,446 | $8,692-71.9% | $16,712-85.4% | $8,951-72.7% |