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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 | $59,124 | $78,707-24.9% | $117,861-49.8% | $70,126-15.7% |
| Participation rate | 94.0% | 73.2%+20.8pp | 79.7%+14.3pp | 69.5%+24.5pp |
| Annual return | 21.82% | 23.30%-1.5pp | 335.11%-313.3pp | 73.15%-51.3pp |
| Employer contribution / active EE | $1,081 | $2,223-51.4% | $3,786-71.5% | $2,343-53.9% |
| Participant deferral / active EE | $2,533 | $3,297-23.2% | $4,482-43.5% | $3,332-24.0% |
| Admin fee / account holder | $3,547 | $5,066-30.0% | $8,021-55.8% | $4,645-23.6% |