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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 | $59,619 | $95,415-37.5% | $185,851-67.9% | $85,851-30.6% |
| Participation rate | 87.1% | 68.8%+18.3pp | 81.7%+5.4pp | 69.3%+17.8pp |
| Annual return | 14.14% | 23.59%-9.4pp | 122.11%-108.0pp | 318.63%-304.5pp |
| Employer contribution / active EE | $3,065 | $3,314-7.5% | $5,168-40.7% | $2,565+19.5% |
| Participant deferral / active EE | $3,031 | $3,424-11.5% | $5,569-45.6% | $3,952-23.3% |
| Admin fee / account holder | $3,053 | $7,215-57.7% | $16,245-81.2% | $6,261-51.2% |