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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 | $78,059 | $102,385-23.8% | $147,080-46.9% | $80,935-3.6% |
| Participation rate | 75.9% | 75.9%0pp | 82.2%-6.3pp | 67.7%+8.2pp |
| Annual return | 12.09% | 135.09%-123.0pp | 420.17%-408.1pp | 35.66%-23.6pp |
| Employer contribution / active EE | $2,600 | $3,717-30.0% | $4,933-47.3% | $2,757-5.7% |
| Participant deferral / active EE | $5,503 | $6,651-17.3% | $8,066-31.8% | $4,299+28.0% |
| Admin fee / account holder | $1,710 | $7,951-78.5% | $12,989-86.8% | $6,924-75.3% |