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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 | $61,590 | $93,345-34.0% | $119,126-48.3% | $87,485-29.6% |
| Participation rate | 90.7% | 68.7%+21.9pp | 75.8%+14.9pp | 68.9%+21.7pp |
| Annual return | 18.32% | 19.08%-0.8pp | 282.11%-263.8pp | 26.06%-7.7pp |
| Employer contribution / active EE | $1,941 | $3,172-38.8% | $4,034-51.9% | $2,596-25.2% |
| Participant deferral / active EE | $4,478 | $4,099+9.3% | $5,318-15.8% | $4,274+4.8% |
| Admin fee / account holder | $1,148 | $8,039-85.7% | $10,693-89.3% | $7,775-85.2% |