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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 | $62,049 | $91,198-32.0% | $178,503-65.2% | $79,856-22.3% |
| Participation rate | 90.3% | 69.2%+21.1pp | 81.9%+8.4pp | 69.6%+20.7pp |
| Annual return | 13.25% | 24.20%-10.9pp | 151.12%-137.9pp | 31.71%-18.5pp |
| Employer contribution / active EE | $1,410 | $3,257-56.7% | $5,011-71.9% | $2,471-43.0% |
| Participant deferral / active EE | $3,135 | $3,237-3.2% | $5,202-39.7% | $3,741-16.2% |
| Admin fee / account holder | $8,786 | $6,748+30.2% | $13,987-37.2% | $5,306+65.6% |