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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 | $62,495 | $81,208-23.0% | $98,920-36.8% | $79,856-21.7% |
| Participation rate | 73.8% | 72.5%+1.2pp | 76.0%-2.3pp | 69.6%+4.1pp |
| Annual return | 19.06% | 60.99%-41.9pp | 196.47%-177.4pp | 31.71%-12.6pp |
| Employer contribution / active EE | $874 | $1,960-55.4% | $2,689-67.5% | $2,471-64.6% |
| Participant deferral / active EE | $3,574 | $3,265+9.5% | $4,245-15.8% | $3,741-4.5% |
| Admin fee / account holder | $3,267 | $6,013-45.7% | $6,643-50.8% | $5,306-38.4% |