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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 | $45,640 | $51,638-11.6% | $68,368-33.2% | $82,448-44.6% |
| Participation rate | 96.3% | 63.6%+32.7pp | 73.8%+22.5pp | 68.1%+28.2pp |
| Annual return | 19.54% | 37.53%-18.0pp | 292.57%-273.0pp | 41.64%-22.1pp |
| Employer contribution / active EE | $2,429 | $2,047+18.7% | $2,649-8.3% | $2,551-4.8% |
| Participant deferral / active EE | $4,737 | $2,914+62.6% | $4,123+14.9% | $4,139+14.5% |
| Admin fee / account holder | $2,385 | $4,643-48.6% | $5,150-53.7% | $7,234-67.0% |