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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 | $59,941 | $62,592-4.2% | $85,709-30.1% | $85,847-30.2% |
| Participation rate | 73.5% | 61.1%+12.4pp | 69.9%+3.7pp | 69.3%+4.2pp |
| Annual return | 13.66% | 23.77%-10.1pp | 21.49%-7.8pp | 318.61%-304.9pp |
| Employer contribution / active EE | $2,980 | $1,755+69.7% | $2,619+13.8% | $2,565+16.2% |
| Participant deferral / active EE | $5,434 | $2,802+93.9% | $3,924+38.5% | $3,952+37.5% |
| Admin fee / account holder | $2,491 | $4,643-46.3% | $6,876-63.8% | $6,261-60.2% |