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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 | $49,684 | $98,776-49.7% | $149,745-66.8% | $79,856-37.8% |
| Participation rate | 80.7% | 75.8%+4.9pp | 82.5%-1.8pp | 69.6%+11.1pp |
| Annual return | 18.75% | 27.38%-8.6pp | 276.72%-258.0pp | 31.71%-13.0pp |
| Employer contribution / active EE | $3,525 | $3,217+9.6% | $4,646-24.1% | $2,471+42.6% |
| Participant deferral / active EE | $9,110 | $5,681+60.4% | $6,843+33.1% | $3,741+143.6% |
| Admin fee / account holder | $2,118 | $6,053-65.0% | $9,312-77.3% | $5,306-60.1% |