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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 | $63,867 | $51,638+23.7% | $68,368-6.6% | $82,448-22.5% |
| Participation rate | 82.9% | 63.6%+19.2pp | 73.8%+9.1pp | 68.1%+14.8pp |
| Annual return | 16.94% | 37.53%-20.6pp | 292.57%-275.6pp | 41.64%-24.7pp |
| Employer contribution / active EE | $3,670 | $2,047+79.4% | $2,649+38.6% | $2,551+43.9% |
| Participant deferral / active EE | $5,077 | $2,914+74.3% | $4,123+23.2% | $4,139+22.7% |
| Admin fee / account holder | $462 | $4,643-90.0% | $5,150-91.0% | $7,234-93.6% |