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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 | $62,390 | $77,920-19.9% | $149,723-58.3% | $75,177-17.0% |
| Participation rate | 94.3% | 65.6%+28.7pp | 78.8%+15.5pp | 67.2%+27.1pp |
| Annual return | 16.06% | 31.72%-15.7pp | 134.50%-118.4pp | 160.75%-144.7pp |
| Employer contribution / active EE | $5,639 | $3,138+79.7% | $4,821+17.0% | $2,671+111.1% |
| Participant deferral / active EE | $3,478 | $3,411+2.0% | $5,682-38.8% | $4,126-15.7% |
| Admin fee / account holder | $1,509 | $5,951-74.6% | $13,215-88.6% | $5,651-73.3% |