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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 | $55,580 | $96,289-42.3% | $213,469-74.0% | $87,485-36.5% |
| Participation rate | 70.2% | 69.6%+0.6pp | 77.1%-6.9pp | 68.9%+1.2pp |
| Annual return | 82.00% | 17.78%+64.2pp | 20.58%+61.4pp | 26.06%+55.9pp |
| Employer contribution / active EE | $2,532 | $3,035-16.6% | $4,994-49.3% | $2,596-2.5% |
| Participant deferral / active EE | $5,995 | $4,750+26.2% | $6,841-12.4% | $4,274+40.3% |
| Admin fee / account holder | $2,900 | $9,670-70.0% | $27,141-89.3% | $7,775-62.7% |