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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 | $49,504 | $61,816-19.9% | $97,260-49.1% | $80,935-38.8% |
| Participation rate | 81.3% | 63.5%+17.8pp | 72.7%+8.6pp | 67.7%+13.6pp |
| Annual return | 13.76% | -558.73%+572.5pp | 75.54%-61.8pp | 35.66%-21.9pp |
| Employer contribution / active EE | $3,115 | $1,836+69.6% | $2,721+14.5% | $2,757+13.0% |
| Participant deferral / active EE | $8,181 | $3,027+170.3% | $4,262+92.0% | $4,299+90.3% |
| Admin fee / account holder | $1,606 | $5,166-68.9% | $5,640-71.5% | $6,924-76.8% |