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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 | $45,317 | $106,923-57.6% | $84,023-46.1% | $152,909-70.4% |
| Participation rate | 70.6% | 75.3%-4.7pp | 69.0%+1.6pp | 82.5%-11.9pp |
| Annual return | 25.82% | 105.02%-79.2pp | 71.32%-45.5pp | 345.46%-319.6pp |
| Employer contribution / active EE | $1,153 | $2,735-57.9% | $1,984-41.9% | $4,764-75.8% |
| Participant deferral / active EE | $4,953 | $4,013+23.4% | $3,239+52.9% | $5,851-15.3% |
| Admin fee / account holder | $354 | $8,289-95.7% | $6,102-94.2% | $11,601-96.9% |