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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 | $51,333 | $121,701-57.8% | $104,639-50.9% | $158,982-67.7% |
| Participation rate | 95.8% | 77.5%+18.3pp | 74.1%+21.8pp | 82.0%+13.9pp |
| Annual return | 10.82% | 465.72%-454.9pp | 340.67%-329.8pp | 302.99%-292.2pp |
| Employer contribution / active EE | $448 | $3,165-85.9% | $2,682-83.3% | $4,763-90.6% |
| Participant deferral / active EE | $3,668 | $4,176-12.2% | $3,738-1.9% | $5,983-38.7% |
| Admin fee / account holder | $3,266 | $7,778-58.0% | $6,465-49.5% | $11,252-71.0% |