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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 | $57,777 | $65,364-11.6% | $92,909-37.8% | $72,975-20.8% |
| Participation rate | 93.5% | 68.3%+25.2pp | 76.0%+17.5pp | 69.5%+24.1pp |
| Annual return | 18.24% | 42.11%-23.9pp | 109.44%-91.2pp | 81.01%-62.8pp |
| Employer contribution / active EE | $21,310 | $2,594+721.4% | $3,653+483.3% | $2,440+773.3% |
| Participant deferral / active EE | $5,333 | $3,128+70.5% | $4,238+25.8% | $3,608+47.8% |
| Admin fee / account holder | $3,737 | $4,251-12.1% | $5,795-35.5% | $5,124-27.1% |