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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 | $36,465 | $81,208-55.1% | $98,920-63.1% | $79,856-54.3% |
| Participation rate | 87.1% | 72.5%+14.6pp | 76.0%+11.1pp | 69.6%+17.5pp |
| Annual return | 15.15% | 60.99%-45.8pp | 196.47%-181.3pp | 31.71%-16.6pp |
| Employer contribution / active EE | $1,310 | $1,960-33.2% | $2,689-51.3% | $2,471-47.0% |
| Participant deferral / active EE | $3,721 | $3,265+14.0% | $4,245-12.4% | $3,741-0.5% |
| Admin fee / account holder | $2,728 | $6,013-54.6% | $6,643-58.9% | $5,306-48.6% |