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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 | $43,003 | $96,236-55.3% | $133,698-67.8% | $80,959-46.9% |
| Participation rate | 71.7% | 71.2%+0.5pp | 76.4%-4.7pp | 67.7%+4.0pp |
| Annual return | 13.18% | 28.74%-15.6pp | 580.90%-567.7pp | 35.67%-22.5pp |
| Employer contribution / active EE | $2,568 | $3,350-23.4% | $4,218-39.1% | $2,757-6.9% |
| Participant deferral / active EE | $8,598 | $5,709+50.6% | $7,016+22.6% | $4,300+99.9% |
| Admin fee / account holder | $11,936 | $8,250+44.7% | $6,703+78.1% | $6,925+72.4% |