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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 | $57,261 | $93,617-38.8% | $135,982-57.9% | $75,177-23.8% |
| Participation rate | 98.2% | 75.2%+23.0pp | 81.9%+16.3pp | 67.2%+31.0pp |
| Annual return | 17.70% | 30.89%-13.2pp | 68.32%-50.6pp | 160.75%-143.0pp |
| Employer contribution / active EE | $2,390 | $3,538-32.5% | $4,859-50.8% | $2,671-10.5% |
| Participant deferral / active EE | $5,950 | $6,406-7.1% | $7,760-23.3% | $4,126+44.2% |
| Admin fee / account holder | $1,655 | $6,980-76.3% | $10,767-84.6% | $5,651-70.7% |