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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 | $57,122 | $112,935-49.4% | $90,970-37.2% | $158,966-64.1% |
| Participation rate | 80.0% | 74.7%+5.3pp | 69.0%+11.0pp | 82.0%-2.0pp |
| Annual return | 13.83% | 215.79%-202.0pp | 134.58%-120.8pp | 302.95%-289.1pp |
| Employer contribution / active EE | $1,622 | $2,895-44.0% | $2,122-23.6% | $4,762-65.9% |
| Participant deferral / active EE | $2,734 | $4,129-33.8% | $3,373-19.0% | $5,983-54.3% |
| Admin fee / account holder | $5,083 | $8,045-36.8% | $5,960-14.7% | $11,250-54.8% |