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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 | $49,817 | $117,895-57.7% | $102,460-51.4% | $145,897-65.9% |
| Participation rate | 95.2% | 78.6%+16.6pp | 76.5%+18.7pp | 80.3%+14.9pp |
| Annual return | 11.50% | 31.92%-20.4pp | 29.47%-18.0pp | 552.29%-540.8pp |
| Employer contribution / active EE | $1,255 | $3,619-65.3% | $3,025-58.5% | $4,663-73.1% |
| Participant deferral / active EE | $4,954 | $5,736-13.6% | $5,056-2.0% | $6,689-25.9% |
| Admin fee / account holder | $624 | $13,353-95.3% | $9,460-93.4% | $13,390-95.3% |