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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 | $47,707 | $106,918-55.4% | $84,021-43.2% | $152,897-68.8% |
| Participation rate | 71.4% | 75.2%-3.8pp | 69.0%+2.4pp | 82.5%-11.0pp |
| Annual return | 23.69% | 105.01%-81.3pp | 71.32%-47.6pp | 345.43%-321.7pp |
| Employer contribution / active EE | $1,063 | $2,735-61.1% | $1,984-46.4% | $4,764-77.7% |
| Participant deferral / active EE | $3,489 | $4,012-13.0% | $3,239+7.7% | $5,851-40.4% |
| Admin fee / account holder | $916 | $8,288-88.9% | $6,102-85.0% | $11,599-92.1% |