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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 | $43,574 | $115,796-62.4% | $101,264-57.0% | $158,950-72.6% |
| Participation rate | 80.0% | 79.4%+0.6pp | 75.8%+4.2pp | 82.0%-2.0pp |
| Annual return | 23.57% | 56.15%-32.6pp | 46.48%-22.9pp | 302.91%-279.3pp |
| Employer contribution / active EE | $2,059 | $4,175-50.7% | $3,660-43.8% | $4,762-56.8% |
| Participant deferral / active EE | $5,986 | $4,958+20.7% | $4,370+37.0% | $5,983+0.1% |
| Admin fee / account holder | $437 | $7,247-94.0% | $5,947-92.7% | $11,248-96.1% |