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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 | $53,299 | $77,920-31.6% | $149,723-64.4% | $75,177-29.1% |
| Participation rate | 97.8% | 65.6%+32.2pp | 78.8%+19.0pp | 67.2%+30.6pp |
| Annual return | 29.15% | 31.72%-2.6pp | 134.50%-105.3pp | 160.75%-131.6pp |
| Employer contribution / active EE | $2,846 | $3,138-9.3% | $4,821-41.0% | $2,671+6.5% |
| Participant deferral / active EE | $5,216 | $3,411+52.9% | $5,682-8.2% | $4,126+26.4% |
| Admin fee / account holder | $1,241 | $5,951-79.1% | $13,215-90.6% | $5,651-78.0% |