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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 | $62,397 | $98,766-36.8% | $149,730-58.3% | $79,852-21.9% |
| Participation rate | 92.9% | 75.8%+17.1pp | 82.5%+10.4pp | 69.6%+23.2pp |
| Annual return | 18.04% | 27.43%-9.4pp | 276.70%-258.7pp | 31.72%-13.7pp |
| Employer contribution / active EE | $2,105 | $3,217-34.6% | $4,645-54.7% | $2,471-14.8% |
| Participant deferral / active EE | $5,925 | $5,681+4.3% | $6,843-13.4% | $3,740+58.4% |
| Admin fee / account holder | $1,141 | $6,052-81.2% | $9,310-87.7% | $5,306-78.5% |