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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 | $54,356 | $77,920-30.2% | $149,723-63.7% | $75,177-27.7% |
| Participation rate | 81.1% | 65.6%+15.5pp | 78.8%+2.3pp | 67.2%+13.9pp |
| Annual return | 20.89% | 31.72%-10.8pp | 134.50%-113.6pp | 160.75%-139.9pp |
| Employer contribution / active EE | $3,468 | $3,138+10.5% | $4,821-28.1% | $2,671+29.8% |
| Participant deferral / active EE | $7,013 | $3,411+105.6% | $5,682+23.4% | $4,126+70.0% |
| Admin fee / account holder | $1,577 | $5,951-73.5% | $13,215-88.1% | $5,651-72.1% |