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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 | $35,873 | $91,179-60.7% | $178,499-79.9% | $79,852-55.1% |
| Participation rate | 98.1% | 69.2%+28.9pp | 81.9%+16.2pp | 69.6%+28.5pp |
| Annual return | 12.38% | 24.19%-11.8pp | 151.10%-138.7pp | 31.72%-19.3pp |
| Employer contribution / active EE | $4,695 | $3,256+44.2% | $5,011-6.3% | $2,471+90.0% |
| Participant deferral / active EE | $4,007 | $3,236+23.8% | $5,202-23.0% | $3,740+7.1% |
| Admin fee / account holder | $5,170 | $6,749-23.4% | $13,986-63.0% | $5,306-2.6% |