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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 | $45,984 | $91,037-49.5% | $71,671-35.8% | $147,586-68.8% |
| Participation rate | 93.3% | 76.1%+17.2pp | 68.7%+24.6pp | 82.8%+10.5pp |
| Annual return | 14.31% | 20.48%-6.2pp | 20.65%-6.3pp | 578.59%-564.3pp |
| Employer contribution / active EE | $3,621 | $3,327+8.8% | $2,460+47.2% | $4,876-25.8% |
| Participant deferral / active EE | $6,244 | $4,498+38.8% | $3,438+81.6% | $5,439+14.8% |
| Admin fee / account holder | $7,839 | $8,613-9.0% | $5,558+41.0% | $10,886-28.0% |