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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 | $64,009 | $78,707-18.7% | $117,861-45.7% | $70,126-8.7% |
| Participation rate | 74.3% | 73.2%+1.1pp | 79.7%-5.4pp | 69.5%+4.7pp |
| Annual return | 12.59% | 23.30%-10.7pp | 335.11%-322.5pp | 73.15%-60.6pp |
| Employer contribution / active EE | $3,513 | $2,223+58.0% | $3,786-7.2% | $2,343+50.0% |
| Participant deferral / active EE | $3,031 | $3,297-8.1% | $4,482-32.4% | $3,332-9.0% |
| Admin fee / account holder | $3,885 | $5,066-23.3% | $8,021-51.6% | $4,645-16.4% |