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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 | $53,121 | $55,930-5.0% | $76,089-30.2% | $80,925-34.4% |
| Participation rate | 83.5% | 62.1%+21.5pp | 69.1%+14.4pp | 67.7%+15.9pp |
| Annual return | 11.60% | 20.58%-9.0pp | 360.94%-349.3pp | 35.65%-24.0pp |
| Employer contribution / active EE | $3,647 | $1,866+95.4% | $2,690+35.6% | $2,756+32.3% |
| Participant deferral / active EE | $5,520 | $3,051+81.0% | $4,259+29.6% | $4,299+28.4% |
| Admin fee / account holder | $2,202 | $5,241-58.0% | $6,418-65.7% | $6,940-68.3% |