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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 | $49,449 | $58,275-15.1% | $81,844-39.6% | $80,935-38.9% |
| Participation rate | 96.7% | 63.5%+33.2pp | 72.4%+24.3pp | 67.7%+29.0pp |
| Annual return | 22.57% | 41.82%-19.2pp | 778.87%-756.3pp | 35.66%-13.1pp |
| Employer contribution / active EE | $2,366 | $2,346+0.9% | $2,916-18.9% | $2,757-14.2% |
| Participant deferral / active EE | $6,024 | $3,285+83.4% | $4,323+39.3% | $4,299+40.1% |
| Admin fee / account holder | $2,234 | $4,749-53.0% | $7,355-69.6% | $6,924-67.7% |