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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 | $43,555 | $98,766-55.9% | $149,730-70.9% | $79,852-45.5% |
| Participation rate | 93.9% | 75.8%+18.1pp | 82.5%+11.4pp | 69.6%+24.2pp |
| Annual return | 21.38% | 27.43%-6.0pp | 276.70%-255.3pp | 31.72%-10.3pp |
| Employer contribution / active EE | $4,112 | $3,217+27.8% | $4,645-11.5% | $2,471+66.4% |
| Participant deferral / active EE | $8,054 | $5,681+41.8% | $6,843+17.7% | $3,740+115.3% |
| Admin fee / account holder | $725 | $6,052-88.0% | $9,310-92.2% | $5,306-86.3% |