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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 | $62,398 | $124,314-49.8% | $109,163-42.8% | $167,518-62.8% |
| Participation rate | 82.4% | 79.4%+2.9pp | 75.9%+6.5pp | 82.1%+0.2pp |
| Annual return | 13.75% | 26.04%-12.3pp | 25.75%-12.0pp | 478.71%-465.0pp |
| Employer contribution / active EE | $4,595 | $4,209+9.2% | $3,723+23.4% | $4,838-5.0% |
| Participant deferral / active EE | $4,659 | $5,256-11.4% | $4,654+0.1% | $6,342-26.5% |
| Admin fee / account holder | $1,825 | $7,973-77.1% | $6,754-73.0% | $12,312-85.2% |