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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 | $53,261 | $97,750-45.5% | $103,464-48.5% | $145,959-63.5% |
| Participation rate | 95.2% | 81.1%+14.1pp | 80.5%+14.7pp | 80.3%+15.0pp |
| Annual return | 11.15% | 25.43%-14.3pp | 23.91%-12.8pp | 561.95%-550.8pp |
| Employer contribution / active EE | $3,454 | $4,685-26.3% | $4,677-26.2% | $4,661-25.9% |
| Participant deferral / active EE | $7,383 | $6,603+11.8% | $6,624+11.5% | $6,689+10.4% |
| Admin fee / account holder | $3,044 | $12,515-75.7% | $9,410-67.7% | $13,398-77.3% |