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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 | $47,805 | $85,169-43.9% | $172,755-72.3% | $72,983-34.5% |
| Participation rate | 88.5% | 70.1%+18.4pp | 82.6%+5.8pp | 69.5%+19.0pp |
| Annual return | 22.58% | 27.32%-4.7pp | 802.94%-780.4pp | 81.01%-58.4pp |
| Employer contribution / active EE | $4,749 | $3,324+42.9% | $5,144-7.7% | $2,440+94.6% |
| Participant deferral / active EE | $3,325 | $3,260+2.0% | $5,198-36.0% | $3,608-7.8% |
| Admin fee / account holder | $364 | $5,880-93.8% | $13,955-97.4% | $5,124-92.9% |