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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 | $48,084 | $98,766-51.3% | $149,730-67.9% | $79,852-39.8% |
| Participation rate | 73.9% | 75.8%-1.9pp | 82.5%-8.6pp | 69.6%+4.3pp |
| Annual return | 20.52% | 27.43%-6.9pp | 276.70%-256.2pp | 31.72%-11.2pp |
| Employer contribution / active EE | $2,181 | $3,217-32.2% | $4,645-53.0% | $2,471-11.7% |
| Participant deferral / active EE | $4,855 | $5,681-14.5% | $6,843-29.0% | $3,740+29.8% |
| Admin fee / account holder | $2,554 | $6,052-57.8% | $9,310-72.6% | $5,306-51.9% |