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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 | $52,590 | $88,672-40.7% | $105,223-50.0% | $82,448-36.2% |
| Participation rate | 89.3% | 67.9%+21.4pp | 75.0%+14.2pp | 68.1%+21.2pp |
| Annual return | 19.13% | 30.86%-11.7pp | 180.65%-161.5pp | 41.64%-22.5pp |
| Employer contribution / active EE | $3,689 | $3,048+21.0% | $3,6890% | $2,551+44.6% |
| Participant deferral / active EE | $7,398 | $4,036+83.3% | $5,072+45.9% | $4,139+78.7% |
| Admin fee / account holder | $5,444 | $7,146-23.8% | $8,859-38.5% | $7,234-24.8% |