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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 | $47,869 | $142,430-66.4% | $115,170-58.4% | $152,897-68.7% |
| Participation rate | 93.3% | 82.4%+11.0pp | 75.9%+17.4pp | 82.5%+10.9pp |
| Annual return | 15.52% | 41.48%-26.0pp | 35.60%-20.1pp | 345.43%-329.9pp |
| Employer contribution / active EE | $2,247 | $4,011-44.0% | $3,179-29.3% | $4,764-52.8% |
| Participant deferral / active EE | $2,914 | $5,165-43.6% | $4,169-30.1% | $5,851-50.2% |
| Admin fee / account holder | $26,407 | $8,464+212.0% | $7,089+272.5% | $11,599+127.7% |