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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 | $54,002 | $98,766-45.3% | $149,730-63.9% | $79,852-32.4% |
| Participation rate | 95.6% | 75.8%+19.8pp | 82.5%+13.1pp | 69.6%+25.9pp |
| Annual return | 18.53% | 27.43%-8.9pp | 276.70%-258.2pp | 31.72%-13.2pp |
| Employer contribution / active EE | $5,188 | $3,217+61.3% | $4,645+11.7% | $2,471+109.9% |
| Participant deferral / active EE | $3,774 | $5,681-33.6% | $6,843-44.8% | $3,740+0.9% |
| Admin fee / account holder | $1,226 | $6,052-79.7% | $9,310-86.8% | $5,306-76.9% |