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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 | $70,669 | $156,616-54.9% | $133,346-47.0% | $198,609-64.4% |
| Participation rate | 91.7% | 77.7%+13.9pp | 72.8%+18.8pp | 82.4%+9.3pp |
| Annual return | 12.00% | 44.25%-32.2pp | 36.85%-24.8pp | 202.70%-190.7pp |
| Employer contribution / active EE | $1,606 | $3,368-52.3% | $2,853-43.7% | $5,055-68.2% |
| Participant deferral / active EE | $6,250 | $4,920+27.1% | $4,332+44.3% | $6,977-10.4% |
| Admin fee / account holder | $36,144 | $17,468+106.9% | $14,264+153.4% | $19,030+89.9% |