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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 | $58,120 | $91,198-36.3% | $178,503-67.4% | $79,856-27.2% |
| Participation rate | 91.5% | 69.2%+22.2pp | 81.9%+9.5pp | 69.6%+21.8pp |
| Annual return | 10.99% | 24.20%-13.2pp | 151.12%-140.1pp | 31.71%-20.7pp |
| Employer contribution / active EE | $1,700 | $3,257-47.8% | $5,011-66.1% | $2,471-31.2% |
| Participant deferral / active EE | $3,371 | $3,237+4.2% | $5,202-35.2% | $3,741-9.9% |
| Admin fee / account holder | $1,770 | $6,748-73.8% | $13,987-87.3% | $5,306-66.6% |