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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 | $57,190 | $67,411-15.2% | $91,004-37.2% | $70,126-18.4% |
| Participation rate | 87.9% | 71.4%+16.5pp | 75.6%+12.3pp | 69.5%+18.3pp |
| Annual return | 32.48% | -40.16%+72.6pp | 4.60%+27.9pp | 73.15%-40.7pp |
| Employer contribution / active EE | $12,671 | $1,786+609.5% | $2,456+416.0% | $2,343+440.9% |
| Participant deferral / active EE | $16,449 | $2,823+482.7% | $3,548+363.7% | $3,332+393.7% |
| Admin fee / account holder | $6,152 | $4,236+45.2% | $5,417+13.6% | $4,645+32.4% |