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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 | $59,941 | $70,418-14.9% | $96,570-37.9% | $85,847-30.2% |
| Participation rate | 88.5% | 61.8%+26.7pp | 69.8%+18.6pp | 69.3%+19.1pp |
| Annual return | 12.74% | 18.59%-5.9pp | 37.79%-25.1pp | 318.61%-305.9pp |
| Employer contribution / active EE | $2,658 | $1,413+88.1% | $2,357+12.8% | $2,565+3.6% |
| Participant deferral / active EE | $4,899 | $2,894+69.3% | $3,849+27.3% | $3,952+24.0% |
| Admin fee / account holder | $986 | $4,995-80.3% | $6,182-84.1% | $6,261-84.3% |