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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 | $46,676 | $110,410-57.7% | $102,437-54.4% | $145,897-68.0% |
| Participation rate | 86.7% | 77.9%+8.7pp | 74.5%+12.2pp | 80.3%+6.4pp |
| Annual return | 11.28% | 24.85%-13.6pp | 24.95%-13.7pp | 552.29%-541.0pp |
| Employer contribution / active EE | $2,569 | $4,217-39.1% | $3,871-33.6% | $4,663-44.9% |
| Participant deferral / active EE | $6,721 | $5,622+19.6% | $5,060+32.8% | $6,689+0.5% |
| Admin fee / account holder | $3,006 | $9,745-69.2% | $8,388-64.2% | $13,390-77.6% |