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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 | $36,674 | $88,672-58.6% | $105,223-65.1% | $82,448-55.5% |
| Participation rate | 79.6% | 67.9%+11.7pp | 75.0%+4.5pp | 68.1%+11.5pp |
| Annual return | 17.27% | 30.86%-13.6pp | 180.65%-163.4pp | 41.64%-24.4pp |
| Employer contribution / active EE | $2,436 | $3,048-20.1% | $3,689-34.0% | $2,551-4.5% |
| Participant deferral / active EE | $4,191 | $4,036+3.8% | $5,072-17.4% | $4,139+1.3% |
| Admin fee / account holder | $2,443 | $7,146-65.8% | $8,859-72.4% | $7,234-66.2% |