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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 | $57,173 | $61,125-6.5% | $94,057-39.2% | $87,485-34.6% |
| Participation rate | 78.6% | 64.1%+14.5pp | 73.3%+5.2pp | 68.9%+9.6pp |
| Annual return | 13.44% | 35.20%-21.8pp | 480.62%-467.2pp | 26.06%-12.6pp |
| Employer contribution / active EE | $1,856 | $2,136-13.1% | $2,933-36.7% | $2,596-28.5% |
| Participant deferral / active EE | $3,858 | $3,260+18.3% | $4,709-18.1% | $4,274-9.7% |
| Admin fee / account holder | $2,812 | $5,629-50.0% | $7,244-61.2% | $7,775-63.8% |