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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 | $58,530 | $48,364+21.0% | $71,796-18.5% | $62,881-6.9% |
| Participation rate | 75.0% | 60.6%+14.4pp | 69.1%+5.9pp | 69.3%+5.7pp |
| Annual return | 6.62% | 13.16%-6.5pp | 78.04%-71.4pp | 20.14%-13.5pp |
| Employer contribution / active EE | $902 | $1,042-13.4% | $1,924-53.1% | $2,281-60.5% |
| Participant deferral / active EE | $2,916 | $2,091+39.4% | $2,794+4.3% | $3,203-9.0% |
| Admin fee / account holder | $10,295 | $3,771+173.0% | $4,815+113.8% | $4,296+139.7% |