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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 | $55,902-5.0% | $76,030-30.1% | $80,959-34.4% |
| Participation rate | 83.5% | 62.1%+21.5pp | 69.1%+14.5pp | 67.7%+15.9pp |
| Annual return | 11.60% | 20.59%-9.0pp | 361.54%-349.9pp | 35.67%-24.1pp |
| Employer contribution / active EE | $3,647 | $1,867+95.4% | $2,688+35.7% | $2,757+32.3% |
| Participant deferral / active EE | $5,520 | $3,051+80.9% | $4,257+29.7% | $4,300+28.4% |
| Admin fee / account holder | $2,202 | $5,239-58.0% | $6,421-65.7% | $6,925-68.2% |