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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 | $51,936 | $124,336-58.2% | $111,303-53.3% | $167,518-69.0% |
| Participation rate | 95.8% | 79.6%+16.2pp | 77.3%+18.5pp | 82.1%+13.7pp |
| Annual return | 12.58% | 37.45%-24.9pp | 54.66%-42.1pp | 478.71%-466.1pp |
| Employer contribution / active EE | $1,898 | $3,436-44.8% | $2,731-30.5% | $4,838-60.8% |
| Participant deferral / active EE | $4,708 | $5,181-9.1% | $4,487+4.9% | $6,342-25.8% |
| Admin fee / account holder | $1,267 | $10,623-88.1% | $7,966-84.1% | $12,312-89.7% |