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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 | $26,072 | $106,923-75.6% | $84,023-69.0% | $152,909-82.9% |
| Participation rate | 71.4% | 75.3%-3.8pp | 69.0%+2.4pp | 82.5%-11.0pp |
| Annual return | 24.11% | 105.02%-80.9pp | 71.32%-47.2pp | 345.46%-321.4pp |
| Employer contribution / active EE | $1,078 | $2,735-60.6% | $1,984-45.7% | $4,764-77.4% |
| Participant deferral / active EE | $4,791 | $4,013+19.4% | $3,239+47.9% | $5,851-18.1% |
| Admin fee / account holder | $4,482 | $8,289-45.9% | $6,102-26.5% | $11,601-61.4% |