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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 | $38,581 | $48,078-19.8% | $78,676-51.0% | $62,881-38.6% |
| Participation rate | 90.0% | 65.2%+24.8pp | 73.6%+16.4pp | 69.3%+20.7pp |
| Annual return | 8.31% | 31.36%-23.0pp | 62.19%-53.9pp | 20.14%-11.8pp |
| Employer contribution / active EE | $5,204 | $2,015+158.3% | $2,850+82.6% | $2,281+128.2% |
| Participant deferral / active EE | $3,569 | $2,587+38.0% | $3,517+1.5% | $3,203+11.4% |
| Admin fee / account holder | $10,295 | $3,206+221.1% | $4,510+128.3% | $4,296+139.7% |