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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 | $80,073 | $65,364+22.5% | $92,909-13.8% | $72,975+9.7% |
| Participation rate | 70.2% | 68.3%+1.9pp | 76.0%-5.8pp | 69.5%+0.7pp |
| Annual return | 19.44% | 42.11%-22.7pp | 109.44%-90.0pp | 81.01%-61.6pp |
| Employer contribution / active EE | $1,409 | $2,594-45.7% | $3,653-61.4% | $2,440-42.2% |
| Participant deferral / active EE | $2,814 | $3,128-10.1% | $4,238-33.6% | $3,608-22.0% |
| Admin fee / account holder | $19,988 | $4,251+370.2% | $5,795+244.9% | $5,124+290.1% |