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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 | $58,583 | $89,259-34.4% | $107,187-45.3% | $82,637-29.1% |
| Participation rate | 71.9% | 67.9%+3.9pp | 75.0%-3.1pp | 68.1%+3.8pp |
| Annual return | 28.95% | 21.02%+7.9pp | 204.55%-175.6pp | 53.51%-24.6pp |
| Employer contribution / active EE | $3,064 | $3,080-0.5% | $3,782-19.0% | $2,552+20.0% |
| Participant deferral / active EE | $6,091 | $4,037+50.9% | $5,096+19.5% | $4,126+47.6% |
| Admin fee / account holder | $2,034 | $7,381-72.4% | $9,162-77.8% | $7,339-72.3% |