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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 | $56,662 | $77,908-27.3% | $149,696-62.1% | $75,173-24.6% |
| Participation rate | 96.2% | 65.6%+30.6pp | 78.8%+17.4pp | 67.2%+29.0pp |
| Annual return | 19.14% | 31.73%-12.6pp | 134.46%-115.3pp | 160.72%-141.6pp |
| Employer contribution / active EE | $4,358 | $3,138+38.9% | $4,821-9.6% | $2,671+63.2% |
| Participant deferral / active EE | $7,162 | $3,411+110.0% | $5,682+26.0% | $4,126+73.6% |
| Admin fee / account holder | $5,812 | $5,950-2.3% | $13,212-56.0% | $5,651+2.9% |