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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 | $59,223 | $95,580-38.0% | $76,872-23.0% | $139,466-57.5% |
| Participation rate | 89.5% | 74.0%+15.5pp | 69.6%+19.9pp | 80.3%+9.1pp |
| Annual return | 15.12% | 55.00%-39.9pp | 37.90%-22.8pp | 373.66%-358.5pp |
| Employer contribution / active EE | $2,522 | $3,145-19.8% | $2,533-0.4% | $4,754-46.9% |
| Participant deferral / active EE | $3,806 | $4,623-17.7% | $3,832-0.7% | $6,712-43.3% |
| Admin fee / account holder | $6,234 | $8,302-24.9% | $5,476+13.8% | $11,409-45.4% |