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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 | $57,582 | $77,920-26.1% | $149,723-61.5% | $75,177-23.4% |
| Participation rate | 91.1% | 65.6%+25.5pp | 78.8%+12.3pp | 67.2%+23.9pp |
| Annual return | 19.27% | 31.72%-12.4pp | 134.50%-115.2pp | 160.75%-141.5pp |
| Employer contribution / active EE | $3,469 | $3,138+10.5% | $4,821-28.0% | $2,671+29.9% |
| Participant deferral / active EE | $3,216 | $3,411-5.7% | $5,682-43.4% | $4,126-22.1% |
| Admin fee / account holder | $1,557 | $5,951-73.8% | $13,215-88.2% | $5,651-72.5% |