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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 | $64,521 | $91,179-29.2% | $178,499-63.9% | $79,852-19.2% |
| Participation rate | 97.6% | 69.2%+28.4pp | 81.9%+15.6pp | 69.6%+27.9pp |
| Annual return | 11.70% | 24.19%-12.5pp | 151.10%-139.4pp | 31.72%-20.0pp |
| Employer contribution / active EE | $2,349 | $3,256-27.9% | $5,011-53.1% | $2,471-4.9% |
| Participant deferral / active EE | $3,854 | $3,236+19.1% | $5,202-25.9% | $3,740+3.0% |
| Admin fee / account holder | $14,321 | $6,749+112.2% | $13,986+2.4% | $5,306+169.9% |