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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 | $71,243 | $61,789+15.3% | $97,167-26.7% | $80,874-11.9% |
| Participation rate | 95.6% | 63.5%+32.1pp | 72.7%+22.9pp | 67.6%+27.9pp |
| Annual return | 13.54% | -557.90%+571.4pp | 75.27%-61.7pp | 35.62%-22.1pp |
| Employer contribution / active EE | $1,845 | $1,837+0.5% | $2,729-32.4% | $2,756-33.0% |
| Participant deferral / active EE | $3,425 | $3,028+13.1% | $4,264-19.7% | $4,297-20.3% |
| Admin fee / account holder | $1,374 | $5,168-73.4% | $5,650-75.7% | $6,935-80.2% |