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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 | $49,704 | $61,789-19.6% | $97,167-48.8% | $80,874-38.5% |
| Participation rate | 87.9% | 63.5%+24.4pp | 72.7%+15.2pp | 67.6%+20.2pp |
| Annual return | 11.69% | -557.90%+569.6pp | 75.27%-63.6pp | 35.62%-23.9pp |
| Employer contribution / active EE | $4,288 | $1,837+133.5% | $2,729+57.1% | $2,756+55.6% |
| Participant deferral / active EE | $3,733 | $3,028+23.3% | $4,264-12.4% | $4,297-13.1% |
| Admin fee / account holder | $4,121 | $5,168-20.3% | $5,650-27.1% | $6,935-40.6% |