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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 | $48,058 | $98,766-51.3% | $149,730-67.9% | $79,852-39.8% |
| Participation rate | 84.7% | 75.8%+8.9pp | 82.5%+2.2pp | 69.6%+15.1pp |
| Annual return | 16.56% | 27.43%-10.9pp | 276.70%-260.1pp | 31.72%-15.2pp |
| Employer contribution / active EE | $3,213 | $3,217-0.1% | $4,645-30.8% | $2,471+30.0% |
| Participant deferral / active EE | $4,553 | $5,681-19.9% | $6,843-33.5% | $3,740+21.7% |
| Admin fee / account holder | $2,861 | $6,052-52.7% | $9,310-69.3% | $5,306-46.1% |