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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 | $55,744 | $70,684-21.1% | $169,390-67.1% | $75,173-25.8% |
| Participation rate | 93.1% | 64.8%+28.3pp | 77.2%+15.9pp | 67.2%+25.9pp |
| Annual return | 18.86% | 36.38%-17.5pp | 406.07%-387.2pp | 160.72%-141.9pp |
| Employer contribution / active EE | $2,427 | $2,211+9.8% | $4,013-39.5% | $2,671-9.1% |
| Participant deferral / active EE | $4,146 | $4,310-3.8% | $6,222-33.4% | $4,126+0.5% |
| Admin fee / account holder | $4,845 | $5,404-10.4% | $9,015-46.3% | $5,651-14.3% |