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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 | $29,666 | $77,920-61.9% | $149,723-80.2% | $75,177-60.5% |
| Participation rate | 83.8% | 65.6%+18.2pp | 78.8%+5.0pp | 67.2%+16.5pp |
| Annual return | 27.65% | 31.72%-4.1pp | 134.50%-106.8pp | 160.75%-133.1pp |
| Employer contribution / active EE | $1,927 | $3,138-38.6% | $4,821-60.0% | $2,671-27.9% |
| Participant deferral / active EE | $4,026 | $3,411+18.0% | $5,682-29.1% | $4,126-2.4% |
| Admin fee / account holder | $1,450 | $5,951-75.6% | $13,215-89.0% | $5,651-74.3% |