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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 | $61,815-19.6% | $97,295-48.9% | $80,959-38.6% |
| Participation rate | 87.9% | 63.5%+24.4pp | 72.7%+15.2pp | 67.7%+20.2pp |
| Annual return | 11.69% | -558.73%+570.4pp | 75.62%-63.9pp | 35.67%-24.0pp |
| Employer contribution / active EE | $4,288 | $1,836+133.5% | $2,723+57.5% | $2,757+55.5% |
| Participant deferral / active EE | $3,733 | $3,027+23.3% | $4,264-12.4% | $4,300-13.2% |
| Admin fee / account holder | $4,121 | $5,166-20.2% | $5,646-27.0% | $6,925-40.5% |