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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 | $50,590 | $77,908-35.1% | $149,696-66.2% | $75,173-32.7% |
| Participation rate | 93.3% | 65.6%+27.8pp | 78.8%+14.6pp | 67.2%+26.1pp |
| Annual return | 16.98% | 31.73%-14.7pp | 134.46%-117.5pp | 160.72%-143.7pp |
| Employer contribution / active EE | $3,908 | $3,138+24.5% | $4,821-18.9% | $2,671+46.3% |
| Participant deferral / active EE | $3,518 | $3,411+3.1% | $5,682-38.1% | $4,126-14.7% |
| Admin fee / account holder | $3,425 | $5,950-42.4% | $13,212-74.1% | $5,651-39.4% |