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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 | $80,467 | $95,406-15.7% | $185,849-56.7% | $85,847-6.3% |
| Participation rate | 77.1% | 68.8%+8.4pp | 81.7%-4.6pp | 69.3%+7.8pp |
| Annual return | 12.75% | 23.59%-10.8pp | 122.10%-109.3pp | 318.61%-305.9pp |
| Employer contribution / active EE | $4,126 | $3,314+24.5% | $5,169-20.2% | $2,565+60.8% |
| Participant deferral / active EE | $4,108 | $3,424+20.0% | $5,569-26.2% | $3,952+3.9% |
| Admin fee / account holder | $1,194 | $7,214-83.5% | $16,244-92.7% | $6,261-80.9% |