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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 | $56,614 | $91,198-37.9% | $178,503-68.3% | $79,856-29.1% |
| Participation rate | 85.7% | 69.2%+16.5pp | 81.9%+3.8pp | 69.6%+16.1pp |
| Annual return | 14.78% | 24.20%-9.4pp | 151.12%-136.3pp | 31.71%-16.9pp |
| Employer contribution / active EE | $2,726 | $3,257-16.3% | $5,011-45.6% | $2,471+10.3% |
| Participant deferral / active EE | $2,884 | $3,237-10.9% | $5,202-44.6% | $3,741-22.9% |
| Admin fee / account holder | $1,752 | $6,748-74.0% | $13,987-87.5% | $5,306-67.0% |