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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 | $33,152 | $56,134-40.9% | $96,171-65.5% | $85,847-61.4% |
| Participation rate | 90.0% | 56.7%+33.3pp | 68.4%+21.6pp | 69.3%+20.7pp |
| Annual return | 14.20% | 42.30%-28.1pp | 192.04%-177.8pp | 318.61%-304.4pp |
| Employer contribution / active EE | $2,348 | $1,620+44.9% | $2,799-16.1% | $2,565-8.5% |
| Participant deferral / active EE | $3,972 | $2,858+39.0% | $4,350-8.7% | $3,952+0.5% |
| Admin fee / account holder | $1,892 | $3,769-49.8% | $5,538-65.8% | $6,261-69.8% |