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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 | $65,374 | $91,198-28.3% | $178,503-63.4% | $79,856-18.1% |
| Participation rate | 72.7% | 69.2%+3.5pp | 81.9%-9.2pp | 69.6%+3.1pp |
| Annual return | 19.09% | 24.20%-5.1pp | 151.12%-132.0pp | 31.71%-12.6pp |
| Employer contribution / active EE | $5,346 | $3,257+64.2% | $5,011+6.7% | $2,471+116.3% |
| Participant deferral / active EE | $4,207 | $3,237+30.0% | $5,202-19.1% | $3,741+12.5% |
| Admin fee / account holder | $1,483 | $6,748-78.0% | $13,987-89.4% | $5,306-72.0% |