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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 | $45,830 | $89,367-48.7% | $141,191-67.5% | $72,975-37.2% |
| Participation rate | 74.5% | 75.1%-0.6pp | 82.5%-8.0pp | 69.5%+5.0pp |
| Annual return | 23.67% | 111.87%-88.2pp | 71.41%-47.7pp | 81.01%-57.3pp |
| Employer contribution / active EE | $1,596 | $3,115-48.8% | $4,736-66.3% | $2,440-34.6% |
| Participant deferral / active EE | $4,200 | $5,419-22.5% | $6,710-37.4% | $3,608+16.4% |
| Admin fee / account holder | $966 | $5,957-83.8% | $10,264-90.6% | $5,124-81.1% |