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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 | $49,675 | $98,776-49.7% | $149,745-66.8% | $79,856-37.8% |
| Participation rate | 95.7% | 75.8%+20.0pp | 82.5%+13.3pp | 69.6%+26.1pp |
| Annual return | 21.07% | 27.38%-6.3pp | 276.72%-255.6pp | 31.71%-10.6pp |
| Employer contribution / active EE | $2,903 | $3,217-9.8% | $4,646-37.5% | $2,471+17.5% |
| Participant deferral / active EE | $5,773 | $5,681+1.6% | $6,843-15.6% | $3,741+54.3% |
| Admin fee / account holder | $6,569 | $6,053+8.5% | $9,312-29.5% | $5,306+23.8% |