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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 | $42,859 | $106,247-59.7% | $96,515-55.6% | $139,466-69.3% |
| Participation rate | 94.7% | 77.8%+16.9pp | 74.3%+20.4pp | 80.3%+14.4pp |
| Annual return | 12.67% | 38.47%-25.8pp | 35.73%-23.1pp | 373.66%-361.0pp |
| Employer contribution / active EE | $5,322 | $4,106+29.6% | $3,740+42.3% | $4,754+12.0% |
| Participant deferral / active EE | $2,598 | $5,456-52.4% | $4,880-46.8% | $6,712-61.3% |
| Admin fee / account holder | $1,471 | $7,885-81.3% | $6,735-78.2% | $11,409-87.1% |