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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 | $53,658 | $105,929-49.3% | $81,716-34.3% | $158,966-66.2% |
| Participation rate | 95.7% | 75.6%+20.1pp | 72.0%+23.7pp | 82.0%+13.7pp |
| Annual return | 12.92% | 38.19%-25.3pp | 29.49%-16.6pp | 302.95%-290.0pp |
| Employer contribution / active EE | $2,214 | $7,802-71.6% | $4,310-48.6% | $4,762-53.5% |
| Participant deferral / active EE | $4,374 | $13,007-66.4% | $7,108-38.5% | $5,983-26.9% |
| Admin fee / account holder | $2,753 | $8,492-67.6% | $5,159-46.6% | $11,250-75.5% |