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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 | $30,931 | $98,776-68.7% | $149,745-79.3% | $79,856-61.3% |
| Participation rate | 74.2% | 75.8%-1.6pp | 82.5%-8.3pp | 69.6%+4.6pp |
| Annual return | 16.24% | 27.38%-11.1pp | 276.72%-260.5pp | 31.71%-15.5pp |
| Employer contribution / active EE | $4,879 | $3,217+51.6% | $4,646+5.0% | $2,471+97.4% |
| Participant deferral / active EE | $5,063 | $5,681-10.9% | $6,843-26.0% | $3,741+35.4% |
| Admin fee / account holder | $1,912 | $6,053-68.4% | $9,312-79.5% | $5,306-64.0% |