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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 | $44,598 | $58,275-23.5% | $81,844-45.5% | $80,935-44.9% |
| Participation rate | 87.9% | 63.5%+24.4pp | 72.4%+15.5pp | 67.7%+20.2pp |
| Annual return | 13.78% | 41.82%-28.0pp | 778.87%-765.1pp | 35.66%-21.9pp |
| Employer contribution / active EE | $2,391 | $2,346+1.9% | $2,916-18.0% | $2,757-13.3% |
| Participant deferral / active EE | $4,381 | $3,285+33.4% | $4,323+1.3% | $4,299+1.9% |
| Admin fee / account holder | $8,429 | $4,749+77.5% | $7,355+14.6% | $6,924+21.7% |