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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 | $69,852 | $70,435-0.8% | $96,575-27.7% | $85,856-18.6% |
| Participation rate | 75.0% | 61.8%+13.2pp | 69.8%+5.2pp | 69.3%+5.7pp |
| Annual return | 15.43% | 18.59%-3.2pp | 37.79%-22.4pp | 318.58%-303.1pp |
| Employer contribution / active EE | $3,669 | $1,413+159.6% | $2,357+55.7% | $2,565+43.0% |
| Participant deferral / active EE | $2,601 | $2,894-10.1% | $3,849-32.4% | $3,952-34.2% |
| Admin fee / account holder | $1,365 | $4,997-72.7% | $6,182-77.9% | $6,261-78.2% |