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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 | $68,459 | $124,314-44.9% | $109,163-37.3% | $167,518-59.1% |
| Participation rate | 70.6% | 79.4%-8.9pp | 75.9%-5.3pp | 82.1%-11.5pp |
| Annual return | 15.28% | 26.04%-10.8pp | 25.75%-10.5pp | 478.71%-463.4pp |
| Employer contribution / active EE | $3,401 | $4,209-19.2% | $3,723-8.6% | $4,838-29.7% |
| Participant deferral / active EE | $7,925 | $5,256+50.8% | $4,654+70.3% | $6,342+25.0% |
| Admin fee / account holder | $11,141 | $7,973+39.7% | $6,754+65.0% | $12,312-9.5% |