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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 | $38,981 | $98,766-60.5% | $149,730-74.0% | $79,852-51.2% |
| Participation rate | 88.6% | 75.8%+12.8pp | 82.5%+6.1pp | 69.6%+19.0pp |
| Annual return | 16.53% | 27.43%-10.9pp | 276.70%-260.2pp | 31.72%-15.2pp |
| Employer contribution / active EE | $2,681 | $3,217-16.6% | $4,645-42.3% | $2,471+8.5% |
| Participant deferral / active EE | $4,534 | $5,681-20.2% | $6,843-33.7% | $3,740+21.2% |
| Admin fee / account holder | $6,021 | $6,052-0.5% | $9,310-35.3% | $5,306+13.5% |