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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 | $51,357 | $65,364-21.4% | $92,909-44.7% | $72,975-29.6% |
| Participation rate | 92.3% | 68.3%+24.0pp | 76.0%+16.3pp | 69.5%+22.8pp |
| Annual return | 26.61% | 42.11%-15.5pp | 109.44%-82.8pp | 81.01%-54.4pp |
| Employer contribution / active EE | $16,434 | $2,594+533.5% | $3,653+349.8% | $2,440+573.5% |
| Participant deferral / active EE | $4,048 | $3,128+29.4% | $4,238-4.5% | $3,608+12.2% |
| Admin fee / account holder | $3,852 | $4,251-9.4% | $5,795-33.5% | $5,124-24.8% |