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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 | $34,471 | $91,198-62.2% | $178,503-80.7% | $79,856-56.8% |
| Participation rate | 91.7% | 69.2%+22.5pp | 81.9%+9.7pp | 69.6%+22.0pp |
| Annual return | 11.92% | 24.20%-12.3pp | 151.12%-139.2pp | 31.71%-19.8pp |
| Employer contribution / active EE | $2,795 | $3,257-14.2% | $5,011-44.2% | $2,471+13.1% |
| Participant deferral / active EE | $4,694 | $3,237+45.0% | $5,202-9.8% | $3,741+25.5% |
| Admin fee / account holder | $4,532 | $6,748-32.8% | $13,987-67.6% | $5,306-14.6% |