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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 | $68,949 | $114,013-39.5% | $103,693-33.5% | $155,188-55.6% |
| Participation rate | 90.9% | 75.2%+15.7pp | 72.6%+18.3pp | 80.8%+10.1pp |
| Annual return | 12.84% | 49.31%-36.5pp | 47.61%-34.8pp | 148.84%-136.0pp |
| Employer contribution / active EE | $1,091 | $3,131-65.2% | $2,920-62.6% | $4,248-74.3% |
| Participant deferral / active EE | $3,824 | $4,970-23.1% | $4,579-16.5% | $6,531-41.5% |
| Admin fee / account holder | $10,228 | $8,407+21.7% | $7,858+30.2% | $14,480-29.4% |