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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 | $82,245 | $48,053+71.2% | $84,637-2.8% | $72,976+12.7% |
| Participation rate | 92.5% | 57.6%+34.9pp | 68.2%+24.2pp | 69.5%+23.0pp |
| Annual return | 21.12% | 37.39%-16.3pp | 258.82%-237.7pp | 81.02%-59.9pp |
| Employer contribution / active EE | $4,628 | $1,602+188.9% | $2,653+74.4% | $2,440+89.7% |
| Participant deferral / active EE | $2,748 | $2,681+2.5% | $3,900-29.6% | $3,608-23.8% |
| Admin fee / account holder | $1,660 | $3,395-51.1% | $4,914-66.2% | $5,124-67.6% |