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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 | $62,535 | $95,406-34.5% | $185,849-66.4% | $85,847-27.2% |
| Participation rate | 89.7% | 68.8%+20.9pp | 81.7%+7.9pp | 69.3%+20.3pp |
| Annual return | 14.67% | 23.59%-8.9pp | 122.10%-107.4pp | 318.61%-303.9pp |
| Employer contribution / active EE | $2,722 | $3,314-17.8% | $5,169-47.3% | $2,565+6.1% |
| Participant deferral / active EE | $5,610 | $3,424+63.9% | $5,569+0.7% | $3,952+41.9% |
| Admin fee / account holder | $1,080 | $7,214-85.0% | $16,244-93.4% | $6,261-82.8% |