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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 | $52,720 | $98,766-46.6% | $149,730-64.8% | $79,852-34.0% |
| Participation rate | 70.5% | 75.8%-5.3pp | 82.5%-12.0pp | 69.6%+0.9pp |
| Annual return | 27.15% | 27.43%-0.3pp | 276.70%-249.6pp | 31.72%-4.6pp |
| Employer contribution / active EE | $3,042 | $3,217-5.4% | $4,645-34.5% | $2,471+23.1% |
| Participant deferral / active EE | $6,900 | $5,681+21.5% | $6,843+0.8% | $3,740+84.5% |
| Admin fee / account holder | $2,088 | $6,052-65.5% | $9,310-77.6% | $5,306-60.7% |