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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 | $48,217 | $111,814-56.9% | $93,654-48.5% | $145,959-67.0% |
| Participation rate | 95.8% | 74.2%+21.6pp | 68.7%+27.1pp | 80.3%+15.5pp |
| Annual return | 12.26% | 203.30%-191.0pp | 133.34%-121.1pp | 561.95%-549.7pp |
| Employer contribution / active EE | $2,018 | $3,092-34.7% | $2,421-16.7% | $4,661-56.7% |
| Participant deferral / active EE | $4,856 | $4,914-1.2% | $4,413+10.0% | $6,689-27.4% |
| Admin fee / account holder | $1,632 | $10,246-84.1% | $8,282-80.3% | $13,398-87.8% |