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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 | $55,087 | $62,592-12.0% | $85,709-35.7% | $85,847-35.8% |
| Participation rate | 76.7% | 61.1%+15.6pp | 69.9%+6.9pp | 69.3%+7.4pp |
| Annual return | 12.99% | 23.77%-10.8pp | 21.49%-8.5pp | 318.61%-305.6pp |
| Employer contribution / active EE | $2,212 | $1,755+26.0% | $2,619-15.5% | $2,565-13.8% |
| Participant deferral / active EE | $4,895 | $2,802+74.7% | $3,924+24.8% | $3,952+23.8% |
| Admin fee / account holder | $19,123 | $4,643+311.9% | $6,876+178.1% | $6,261+205.4% |