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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 | $88,163 | $70,418+25.2% | $96,570-8.7% | $85,847+2.7% |
| Participation rate | 93.5% | 61.8%+31.7pp | 69.8%+23.7pp | 69.3%+24.2pp |
| Annual return | 13.44% | 18.59%-5.1pp | 37.79%-24.3pp | 318.61%-305.2pp |
| Employer contribution / active EE | $1,500 | $1,413+6.1% | $2,357-36.4% | $2,565-41.5% |
| Participant deferral / active EE | $5,483 | $2,894+89.5% | $3,849+42.4% | $3,952+38.7% |
| Admin fee / account holder | $25,312 | $4,995+406.7% | $6,182+309.4% | $6,261+304.3% |