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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 | $53,677 | $91,198-41.1% | $178,503-69.9% | $79,856-32.8% |
| Participation rate | 87.9% | 69.2%+18.7pp | 81.9%+5.9pp | 69.6%+18.2pp |
| Annual return | 16.52% | 24.20%-7.7pp | 151.12%-134.6pp | 31.71%-15.2pp |
| Employer contribution / active EE | $1,331 | $3,257-59.1% | $5,011-73.4% | $2,471-46.1% |
| Participant deferral / active EE | $3,087 | $3,237-4.6% | $5,202-40.7% | $3,741-17.5% |
| Admin fee / account holder | $6,758 | $6,748+0.2% | $13,987-51.7% | $5,306+27.4% |