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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 | $78,872 | $48,053+64.1% | $84,628-6.8% | $72,975+8.1% |
| Participation rate | 73.8% | 57.6%+16.2pp | 68.2%+5.6pp | 69.5%+4.3pp |
| Annual return | 23.36% | 37.39%-14.0pp | 258.80%-235.4pp | 81.01%-57.7pp |
| Employer contribution / active EE | $1,311 | $1,602-18.2% | $2,653-50.6% | $2,440-46.3% |
| Participant deferral / active EE | $3,257 | $2,681+21.5% | $3,900-16.5% | $3,608-9.7% |
| Admin fee / account holder | $7,893 | $3,395+132.5% | $4,914+60.6% | $5,124+54.0% |