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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 | $52,279 | $105,200-50.3% | $159,474-67.2% | $85,847-39.1% |
| Participation rate | 85.9% | 75.8%+10.1pp | 82.8%+3.1pp | 69.3%+16.6pp |
| Annual return | 16.07% | 45.08%-29.0pp | 263.68%-247.6pp | 318.61%-302.5pp |
| Employer contribution / active EE | $3,396 | $3,319+2.3% | $4,831-29.7% | $2,565+32.4% |
| Participant deferral / active EE | $6,801 | $5,946+14.4% | $7,353-7.5% | $3,952+72.1% |
| Admin fee / account holder | $1,640 | $6,934-76.3% | $10,802-84.8% | $6,261-73.8% |