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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 | $57,261 | $91,198-37.2% | $178,503-67.9% | $79,856-28.3% |
| Participation rate | 92.6% | 69.2%+23.4pp | 81.9%+10.7pp | 69.6%+23.0pp |
| Annual return | 19.38% | 24.20%-4.8pp | 151.12%-131.7pp | 31.71%-12.3pp |
| Employer contribution / active EE | $2,717 | $3,257-16.6% | $5,011-45.8% | $2,471+9.9% |
| Participant deferral / active EE | $5,609 | $3,237+73.3% | $5,202+7.8% | $3,741+50.0% |
| Admin fee / account holder | $4,727 | $6,748-29.9% | $13,987-66.2% | $5,306-10.9% |