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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 | $48,104 | $70,684-31.9% | $169,397-71.6% | $75,177-36.0% |
| Participation rate | 94.7% | 64.8%+29.9pp | 77.2%+17.6pp | 67.2%+27.5pp |
| Annual return | 17.54% | 36.38%-18.8pp | 406.23%-388.7pp | 160.75%-143.2pp |
| Employer contribution / active EE | $2,022 | $2,211-8.5% | $4,013-49.6% | $2,671-24.3% |
| Participant deferral / active EE | $4,597 | $4,310+6.7% | $6,223-26.1% | $4,126+11.4% |
| Admin fee / account holder | $5,499 | $5,404+1.8% | $9,017-39.0% | $5,651-2.7% |