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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 | $56,523 | $95,406-40.8% | $185,849-69.6% | $85,847-34.2% |
| Participation rate | 87.1% | 68.8%+18.3pp | 81.7%+5.4pp | 69.3%+17.8pp |
| Annual return | 16.24% | 23.59%-7.3pp | 122.10%-105.9pp | 318.61%-302.4pp |
| Employer contribution / active EE | $3,430 | $3,314+3.5% | $5,169-33.6% | $2,565+33.7% |
| Participant deferral / active EE | $6,473 | $3,424+89.1% | $5,569+16.2% | $3,952+63.8% |
| Admin fee / account holder | $1,079 | $7,214-85.0% | $16,244-93.4% | $6,261-82.8% |