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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 | $64,879 | $68,681-5.5% | $86,625-25.1% | $85,851-24.4% |
| Participation rate | 78.9% | 66.4%+12.5pp | 71.6%+7.2pp | 69.3%+9.6pp |
| Annual return | 11.33% | 20.12%-8.8pp | 63.52%-52.2pp | 318.63%-307.3pp |
| Employer contribution / active EE | $1,499 | $1,880-20.3% | $2,496-39.9% | $2,565-41.6% |
| Participant deferral / active EE | $3,101 | $2,919+6.2% | $3,700-16.2% | $3,952-21.5% |
| Admin fee / account holder | $11,322 | $5,974+89.5% | $5,830+94.2% | $6,261+80.8% |