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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 | $69,378 | $91,198-23.9% | $178,503-61.1% | $79,856-13.1% |
| Participation rate | 92.3% | 69.2%+23.1pp | 81.9%+10.4pp | 69.6%+22.7pp |
| Annual return | 18.84% | 24.20%-5.4pp | 151.12%-132.3pp | 31.71%-12.9pp |
| Employer contribution / active EE | $3,405 | $3,257+4.5% | $5,011-32.1% | $2,471+37.8% |
| Participant deferral / active EE | $7,870 | $3,237+143.2% | $5,202+51.3% | $3,741+110.4% |
| Admin fee / account holder | $1,140 | $6,748-83.1% | $13,987-91.9% | $5,306-78.5% |