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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 | $66,749 | $77,920-14.3% | $149,723-55.4% | $75,177-11.2% |
| Participation rate | 96.7% | 65.6%+31.1pp | 78.8%+17.9pp | 67.2%+29.5pp |
| Annual return | 19.48% | 31.72%-12.2pp | 134.50%-115.0pp | 160.75%-141.3pp |
| Employer contribution / active EE | $2,812 | $3,138-10.4% | $4,821-41.7% | $2,671+5.3% |
| Participant deferral / active EE | $5,177 | $3,411+51.8% | $5,682-8.9% | $4,126+25.5% |
| Admin fee / account holder | $610 | $5,951-89.8% | $13,215-95.4% | $5,651-89.2% |