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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 | $49,376 | $107,421-54.0% | $182,262-72.9% | $94,015-47.5% |
| Participation rate | 90.0% | 77.8%+12.2pp | 84.2%+5.8pp | 70.8%+19.2pp |
| Annual return | 18.63% | 21.32%-2.7pp | 140.60%-122.0pp | 17.84%+0.8pp |
| Employer contribution / active EE | $3,949 | $3,448+14.6% | $5,046-21.7% | $2,790+41.6% |
| Participant deferral / active EE | $6,179 | $6,558-5.8% | $8,276-25.3% | $4,249+45.4% |
| Admin fee / account holder | $2,123 | $8,692-75.6% | $16,712-87.3% | $8,951-76.3% |