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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 | $60,435 | $107,944-44.0% | $91,994-34.3% | $152,885-60.5% |
| Participation rate | 94.1% | 81.2%+12.9pp | 78.6%+15.5pp | 82.5%+11.7pp |
| Annual return | 21.05% | 89.26%-68.2pp | 69.03%-48.0pp | 345.39%-324.3pp |
| Employer contribution / active EE | $1,815 | $4,210-56.9% | $3,452-47.4% | $4,763-61.9% |
| Participant deferral / active EE | $12,798 | $6,365+101.1% | $5,923+116.1% | $5,851+118.7% |
| Admin fee / account holder | $14,517 | $10,521+38.0% | $7,743+87.5% | $11,598+25.2% |