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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 | $32,205 | $91,198-64.7% | $178,503-82.0% | $79,856-59.7% |
| Participation rate | 90.0% | 69.2%+20.8pp | 81.9%+8.1pp | 69.6%+20.4pp |
| Annual return | 19.89% | 24.20%-4.3pp | 151.12%-131.2pp | 31.71%-11.8pp |
| Employer contribution / active EE | $2,406 | $3,257-26.1% | $5,011-52.0% | $2,471-2.6% |
| Participant deferral / active EE | $4,642 | $3,237+43.4% | $5,202-10.8% | $3,741+24.1% |
| Admin fee / account holder | $609 | $6,748-91.0% | $13,987-95.6% | $5,306-88.5% |