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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 | $58,609 | $105,200-44.3% | $159,474-63.2% | $85,847-31.7% |
| Participation rate | 86.4% | 75.8%+10.6pp | 82.8%+3.5pp | 69.3%+17.0pp |
| Annual return | 17.28% | 45.08%-27.8pp | 263.68%-246.4pp | 318.61%-301.3pp |
| Employer contribution / active EE | $2,836 | $3,319-14.5% | $4,831-41.3% | $2,565+10.6% |
| Participant deferral / active EE | $10,288 | $5,946+73.0% | $7,353+39.9% | $3,952+160.3% |
| Admin fee / account holder | $21,999 | $6,934+217.2% | $10,802+103.6% | $6,261+251.4% |