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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 | $50,984 | $78,682-35.2% | $109,188-53.3% | $85,851-40.6% |
| Participation rate | 92.9% | 68.3%+24.6pp | 75.9%+17.0pp | 69.3%+23.5pp |
| Annual return | 15.31% | 25.09%-9.8pp | 25.76%-10.4pp | 318.63%-303.3pp |
| Employer contribution / active EE | $1,111 | $2,734-59.3% | $3,723-70.2% | $2,565-56.7% |
| Participant deferral / active EE | $2,960 | $3,468-14.6% | $4,654-36.4% | $3,952-25.1% |
| Admin fee / account holder | $9,142 | $5,470+67.1% | $6,755+35.3% | $6,261+46.0% |