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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 | $45,987 | $65,034-29.3% | $90,970-49.4% | $79,856-42.4% |
| Participation rate | 78.8% | 61.6%+17.2pp | 69.0%+9.8pp | 69.6%+9.1pp |
| Annual return | 13.62% | 30.45%-16.8pp | 134.60%-121.0pp | 31.71%-18.1pp |
| Employer contribution / active EE | $4,883 | $1,247+291.4% | $2,122+130.1% | $2,471+97.6% |
| Participant deferral / active EE | $6,493 | $2,512+158.4% | $3,373+92.5% | $3,741+73.6% |
| Admin fee / account holder | $1,719 | $4,536-62.1% | $5,961-71.2% | $5,306-67.6% |