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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 | $46,260 | $93,589-50.6% | $135,942-66.0% | $75,181-38.5% |
| Participation rate | 98.4% | 75.2%+23.2pp | 81.9%+16.5pp | 67.2%+31.2pp |
| Annual return | 48.00% | 30.90%+17.1pp | 68.28%-20.3pp | 160.69%-112.7pp |
| Employer contribution / active EE | $3,427 | $3,537-3.1% | $4,858-29.4% | $2,671+28.3% |
| Participant deferral / active EE | $6,734 | $6,405+5.1% | $7,759-13.2% | $4,126+63.2% |
| Admin fee / account holder | $3,430 | $6,977-50.8% | $10,764-68.1% | $5,650-39.3% |