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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 | $45,246 | $56,134-19.4% | $96,171-53.0% | $85,847-47.3% |
| Participation rate | 92.3% | 56.7%+35.6pp | 68.4%+23.9pp | 69.3%+23.0pp |
| Annual return | 17.79% | 42.30%-24.5pp | 192.04%-174.3pp | 318.61%-300.8pp |
| Employer contribution / active EE | $1,706 | $1,620+5.3% | $2,799-39.0% | $2,565-33.5% |
| Participant deferral / active EE | $6,706 | $2,858+134.7% | $4,350+54.1% | $3,952+69.7% |
| Admin fee / account holder | $1,049 | $3,769-72.2% | $5,538-81.1% | $6,261-83.2% |