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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 | $46,626 | $91,179-48.9% | $178,499-73.9% | $79,852-41.6% |
| Participation rate | 96.2% | 69.2%+27.0pp | 81.9%+14.3pp | 69.6%+26.6pp |
| Annual return | 13.76% | 24.19%-10.4pp | 151.10%-137.3pp | 31.72%-18.0pp |
| Employer contribution / active EE | $3,956 | $3,256+21.5% | $5,011-21.1% | $2,471+60.1% |
| Participant deferral / active EE | $3,580 | $3,236+10.6% | $5,202-31.2% | $3,740-4.3% |
| Admin fee / account holder | $3,112 | $6,749-53.9% | $13,986-77.7% | $5,306-41.3% |