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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 | $63,841 | $96,236-33.7% | $133,698-52.2% | $80,959-21.1% |
| Participation rate | 94.9% | 71.2%+23.7pp | 76.4%+18.5pp | 67.7%+27.2pp |
| Annual return | 13.07% | 28.74%-15.7pp | 580.90%-567.8pp | 35.67%-22.6pp |
| Employer contribution / active EE | $2,568 | $3,350-23.4% | $4,218-39.1% | $2,757-6.9% |
| Participant deferral / active EE | $6,903 | $5,709+20.9% | $7,016-1.6% | $4,300+60.5% |
| Admin fee / account holder | $2,724 | $8,250-67.0% | $6,703-59.4% | $6,925-60.7% |