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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 | $61,089 | $80,674-24.3% | $119,126-48.7% | $64,340-5.1% |
| Participation rate | 72.7% | 55.2%+17.5pp | 75.8%-3.0pp | 55.2%+17.5pp |
| Annual return | 20.39% | 26.86%-6.5pp | 282.11%-261.7pp | 24.14%-3.8pp |
| Employer contribution / active EE | $1,514 | $2,564-41.0% | $4,034-62.5% | $1,862-18.7% |
| Participant deferral / active EE | $3,882 | $3,053+27.1% | $5,318-27.0% | $2,980+30.3% |
| Admin fee / account holder | $1,198 | $4,559-73.7% | $10,693-88.8% | $3,703-67.6% |