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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 | $58,391 | $88,672-34.2% | $105,223-44.5% | $82,448-29.2% |
| Participation rate | 83.6% | 67.9%+15.7pp | 75.0%+8.6pp | 68.1%+15.5pp |
| Annual return | 15.84% | 30.86%-15.0pp | 180.65%-164.8pp | 41.64%-25.8pp |
| Employer contribution / active EE | $4,531 | $3,048+48.7% | $3,689+22.9% | $2,551+77.6% |
| Participant deferral / active EE | $8,311 | $4,036+105.9% | $5,072+63.9% | $4,139+100.8% |
| Admin fee / account holder | $6,367 | $7,146-10.9% | $8,859-28.1% | $7,234-12.0% |