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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 | $55,410 | $110,410-49.8% | $102,437-45.9% | $145,897-62.0% |
| Participation rate | 89.5% | 77.9%+11.5pp | 74.5%+15.0pp | 80.3%+9.2pp |
| Annual return | 17.94% | 24.85%-6.9pp | 24.95%-7.0pp | 552.29%-534.4pp |
| Employer contribution / active EE | $4,179 | $4,217-0.9% | $3,871+8.0% | $4,663-10.4% |
| Participant deferral / active EE | $7,989 | $5,622+42.1% | $5,060+57.9% | $6,689+19.4% |
| Admin fee / account holder | $4,292 | $9,745-56.0% | $8,388-48.8% | $13,390-67.9% |