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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 | $43,426 | $91,198-52.4% | $178,503-75.7% | $79,856-45.6% |
| Participation rate | 91.9% | 69.2%+22.7pp | 81.9%+10.0pp | 69.6%+22.3pp |
| Annual return | 11.13% | 24.20%-13.1pp | 151.12%-140.0pp | 31.71%-20.6pp |
| Employer contribution / active EE | $5,382 | $3,257+65.3% | $5,011+7.4% | $2,471+117.8% |
| Participant deferral / active EE | $5,521 | $3,237+70.6% | $5,202+6.1% | $3,741+47.6% |
| Admin fee / account holder | $10,039 | $6,748+48.8% | $13,987-28.2% | $5,306+89.2% |