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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 | $40,397 | $98,760-59.1% | $149,715-73.0% | $79,858-49.4% |
| Participation rate | 92.3% | 75.8%+16.5pp | 82.5%+9.8pp | 69.6%+22.7pp |
| Annual return | 20.24% | 27.43%-7.2pp | 276.66%-256.4pp | 31.72%-11.5pp |
| Employer contribution / active EE | $2,358 | $3,217-26.7% | $4,645-49.2% | $2,471-4.6% |
| Participant deferral / active EE | $5,962 | $5,681+5.0% | $6,842-12.9% | $3,740+59.4% |
| Admin fee / account holder | $2,711 | $6,053-55.2% | $9,310-70.9% | $5,306-48.9% |