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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 | $68,254 | $105,200-35.1% | $159,474-57.2% | $85,847-20.5% |
| Participation rate | 84.9% | 75.8%+9.1pp | 82.8%+2.1pp | 69.3%+15.6pp |
| Annual return | 16.52% | 45.08%-28.6pp | 263.68%-247.2pp | 318.61%-302.1pp |
| Employer contribution / active EE | $2,350 | $3,319-29.2% | $4,831-51.4% | $2,565-8.4% |
| Participant deferral / active EE | $5,508 | $5,946-7.4% | $7,353-25.1% | $3,952+39.4% |
| Admin fee / account holder | $3,801 | $6,934-45.2% | $10,802-64.8% | $6,261-39.3% |