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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 | $67,646 | $77,638-12.9% | $156,551-56.8% | $62,881+7.6% |
| Participation rate | 73.3% | 71.2%+2.1pp | 84.0%-10.7pp | 69.3%+4.0pp |
| Annual return | 6.79% | 50.33%-43.5pp | 32.23%-25.4pp | 20.14%-13.4pp |
| Employer contribution / active EE | $2,263 | $3,444-34.3% | $5,501-58.9% | $2,281-0.8% |
| Participant deferral / active EE | $1,939 | $3,046-36.3% | $4,871-60.2% | $3,203-39.5% |
| Admin fee / account holder | $33,224 | $5,561+497.4% | $13,028+155.0% | $4,296+673.4% |