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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 | $59,283 | $68,880-13.9% | $120,580-50.8% | $80,959-26.8% |
| Participation rate | 88.7% | 61.7%+27.0pp | 72.0%+16.7pp | 67.7%+21.0pp |
| Annual return | 15.97% | 23.68%-7.7pp | 107.48%-91.5pp | 35.67%-19.7pp |
| Employer contribution / active EE | $12,244 | $2,066+492.6% | $3,469+252.9% | $2,757+344.1% |
| Participant deferral / active EE | $13,429 | $3,191+320.9% | $4,995+168.8% | $4,300+212.3% |
| Admin fee / account holder | $3,834 | $5,785-33.7% | $9,418-59.3% | $6,925-44.6% |