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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 | $55,368 | $98,776-43.9% | $149,745-63.0% | $79,856-30.7% |
| Participation rate | 77.6% | 75.8%+1.8pp | 82.5%-4.9pp | 69.6%+7.9pp |
| Annual return | 20.11% | 27.38%-7.3pp | 276.72%-256.6pp | 31.71%-11.6pp |
| Employer contribution / active EE | $3,042 | $3,217-5.5% | $4,646-34.5% | $2,471+23.1% |
| Participant deferral / active EE | $4,484 | $5,681-21.1% | $6,843-34.5% | $3,741+19.9% |
| Admin fee / account holder | $2,027 | $6,053-66.5% | $9,312-78.2% | $5,306-61.8% |