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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 | $51,142 | $85,766-40.4% | $136,297-62.5% | $70,131-27.1% |
| Participation rate | 88.9% | 74.2%+14.7pp | 81.9%+7.0pp | 69.5%+19.3pp |
| Annual return | 18.90% | 31.45%-12.6pp | 5156.16%-5137.3pp | 73.14%-54.2pp |
| Employer contribution / active EE | $2,558 | $2,966-13.8% | $4,696-45.5% | $2,342+9.2% |
| Participant deferral / active EE | $5,467 | $5,051+8.2% | $6,247-12.5% | $3,332+64.1% |
| Admin fee / account holder | $4,526 | $5,420-16.5% | $9,244-51.0% | $4,645-2.6% |