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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 | $58,181 | $93,346-37.7% | $71,796-19.0% | $273,972-78.8% |
| Participation rate | 84.2% | 76.5%+7.7pp | 69.1%+15.1pp | 83.0%+1.2pp |
| Annual return | 5.22% | 130.39%-125.2pp | 78.04%-72.8pp | 41.46%-36.2pp |
| Employer contribution / active EE | $1,343 | $2,733-50.9% | $1,924-30.2% | $4,869-72.4% |
| Participant deferral / active EE | $5,471 | $3,475+57.4% | $2,794+95.8% | $5,287+3.5% |
| Admin fee / account holder | $997 | $6,571-84.8% | $4,815-79.3% | $10,133-90.2% |