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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 | $65,468 | $91,198-28.2% | $178,503-63.3% | $79,856-18.0% |
| Participation rate | 75.8% | 69.2%+6.5pp | 81.9%-6.2pp | 69.6%+6.1pp |
| Annual return | 15.25% | 24.20%-9.0pp | 151.12%-135.9pp | 31.71%-16.5pp |
| Employer contribution / active EE | $1,730 | $3,257-46.9% | $5,011-65.5% | $2,471-30.0% |
| Participant deferral / active EE | $3,234 | $3,237-0.1% | $5,202-37.8% | $3,741-13.5% |
| Admin fee / account holder | $3,323 | $6,748-50.8% | $13,987-76.2% | $5,306-37.4% |