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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 | $59,638 | $77,920-23.5% | $149,723-60.2% | $75,177-20.7% |
| Participation rate | 100.0% | 65.6%+34.4pp | 78.8%+21.2pp | 67.2%+32.8pp |
| Annual return | 17.55% | 31.72%-14.2pp | 134.50%-116.9pp | 160.75%-143.2pp |
| Employer contribution / active EE | $2,322 | $3,138-26.0% | $4,821-51.8% | $2,671-13.1% |
| Participant deferral / active EE | $5,486 | $3,411+60.8% | $5,682-3.5% | $4,126+32.9% |
| Admin fee / account holder | $1,235 | $5,951-79.2% | $13,215-90.7% | $5,651-78.1% |