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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 | $29,326 | $91,198-67.8% | $178,503-83.6% | $79,856-63.3% |
| Participation rate | 90.3% | 69.2%+21.1pp | 81.9%+8.4pp | 69.6%+20.7pp |
| Annual return | 14.87% | 24.20%-9.3pp | 151.12%-136.2pp | 31.71%-16.8pp |
| Employer contribution / active EE | $1,585 | $3,257-51.3% | $5,011-68.4% | $2,471-35.9% |
| Participant deferral / active EE | $5,288 | $3,237+63.4% | $5,202+1.7% | $3,741+41.4% |
| Admin fee / account holder | $495 | $6,748-92.7% | $13,987-96.5% | $5,306-90.7% |