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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 | $50,181 | $77,164-35.0% | $178,014-71.8% | $80,874-38.0% |
| Participation rate | 96.7% | 65.7%+31.0pp | 77.1%+19.6pp | 67.6%+29.0pp |
| Annual return | 14.30% | 18.09%-3.8pp | 294.80%-280.5pp | 35.62%-21.3pp |
| Employer contribution / active EE | $6,599 | $2,288+188.5% | $3,950+67.1% | $2,756+139.5% |
| Participant deferral / active EE | $4,467 | $4,408+1.3% | $6,276-28.8% | $4,297+4.0% |
| Admin fee / account holder | $696 | $7,164-90.3% | $10,362-93.3% | $6,935-90.0% |