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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 | $31,568 | $88,672-64.4% | $105,223-70.0% | $82,448-61.7% |
| Participation rate | 97.9% | 67.9%+29.9pp | 75.0%+22.8pp | 68.1%+29.8pp |
| Annual return | 18.27% | 30.86%-12.6pp | 180.65%-162.4pp | 41.64%-23.4pp |
| Employer contribution / active EE | $2,397 | $3,048-21.3% | $3,689-35.0% | $2,551-6.0% |
| Participant deferral / active EE | $5,854 | $4,036+45.0% | $5,072+15.4% | $4,139+41.4% |
| Admin fee / account holder | $880 | $7,146-87.7% | $8,859-90.1% | $7,234-87.8% |