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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 | $54,115 | $98,776-45.2% | $149,745-63.9% | $79,856-32.2% |
| Participation rate | 97.1% | 75.8%+21.3pp | 82.5%+14.6pp | 69.6%+27.4pp |
| Annual return | 20.34% | 27.38%-7.0pp | 276.72%-256.4pp | 31.71%-11.4pp |
| Employer contribution / active EE | $3,558 | $3,217+10.6% | $4,646-23.4% | $2,471+44.0% |
| Participant deferral / active EE | $5,345 | $5,681-5.9% | $6,843-21.9% | $3,741+42.9% |
| Admin fee / account holder | $2,015 | $6,053-66.7% | $9,312-78.4% | $5,306-62.0% |