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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 | $66,180 | $95,406-30.6% | $185,849-64.4% | $85,847-22.9% |
| Participation rate | 72.2% | 68.8%+3.5pp | 81.7%-9.5pp | 69.3%+2.9pp |
| Annual return | 11.99% | 23.59%-11.6pp | 122.10%-110.1pp | 318.61%-306.6pp |
| Employer contribution / active EE | $2,136 | $3,314-35.5% | $5,169-58.7% | $2,565-16.7% |
| Participant deferral / active EE | $5,428 | $3,424+58.6% | $5,569-2.5% | $3,952+37.3% |
| Admin fee / account holder | $7,010 | $7,214-2.8% | $16,244-56.8% | $6,261+12.0% |