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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 | $53,245 | $85,766-37.9% | $136,298-60.9% | $70,126-24.1% |
| Participation rate | 90.0% | 74.2%+15.8pp | 81.9%+8.1pp | 69.5%+20.5pp |
| Annual return | 17.42% | 31.46%-14.0pp | 5156.27%-5138.9pp | 73.15%-55.7pp |
| Employer contribution / active EE | $2,737 | $2,966-7.7% | $4,696-41.7% | $2,343+16.9% |
| Participant deferral / active EE | $7,318 | $5,051+44.9% | $6,247+17.1% | $3,332+119.6% |
| Admin fee / account holder | $4,025 | $5,421-25.7% | $9,244-56.5% | $4,645-13.4% |