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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 | $55,580 | $99,633-44.2% | $183,328-69.7% | $82,448-32.6% |
| Participation rate | 70.2% | 70.8%-0.6pp | 77.3%-7.2pp | 68.1%+2.1pp |
| Annual return | 82.00% | 17.84%+64.2pp | 29.67%+52.3pp | 41.64%+40.4pp |
| Employer contribution / active EE | $2,532 | $3,256-22.2% | $5,055-49.9% | $2,551-0.7% |
| Participant deferral / active EE | $5,995 | $4,938+21.4% | $6,795-11.8% | $4,139+44.8% |
| Admin fee / account holder | $2,900 | $9,934-70.8% | $21,427-86.5% | $7,234-59.9% |