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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 | $35,041 | $70,418-50.2% | $96,570-63.7% | $85,847-59.2% |
| Participation rate | 85.7% | 61.8%+23.9pp | 69.8%+15.9pp | 69.3%+16.4pp |
| Annual return | 14.24% | 18.59%-4.4pp | 37.79%-23.6pp | 318.61%-304.4pp |
| Employer contribution / active EE | $2,095 | $1,413+48.3% | $2,357-11.1% | $2,565-18.3% |
| Participant deferral / active EE | $5,150 | $2,894+78.0% | $3,849+33.8% | $3,952+30.3% |
| Admin fee / account holder | $2,765 | $4,995-44.6% | $6,182-55.3% | $6,261-55.8% |