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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 | $23,506 | $55,930-58.0% | $76,089-69.1% | $80,925-71.0% |
| Participation rate | 72.3% | 62.1%+10.2pp | 69.1%+3.2pp | 67.7%+4.6pp |
| Annual return | 15.02% | 20.58%-5.6pp | 360.94%-345.9pp | 35.65%-20.6pp |
| Employer contribution / active EE | $3,400 | $1,866+82.2% | $2,690+26.4% | $2,756+23.4% |
| Participant deferral / active EE | $5,338 | $3,051+75.0% | $4,259+25.3% | $4,299+24.2% |
| Admin fee / account holder | $3,465 | $5,241-33.9% | $6,418-46.0% | $6,940-50.1% |