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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 | $49,272 | $49,897-1.3% | $80,648-38.9% | $75,177-34.5% |
| Participation rate | 73.0% | 55.3%+17.6pp | 67.0%+6.0pp | 67.2%+5.8pp |
| Annual return | 17.59% | 34.68%-17.1pp | 937.21%-919.6pp | 160.75%-143.2pp |
| Employer contribution / active EE | $1,870 | $1,699+10.1% | $2,724-31.3% | $2,671-30.0% |
| Participant deferral / active EE | $5,195 | $2,992+73.6% | $4,443+16.9% | $4,126+25.9% |
| Admin fee / account holder | $3,681 | $3,579+2.9% | $5,382-31.6% | $5,651-34.9% |