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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 | $39,051 | $81,208-51.9% | $98,920-60.5% | $79,852-51.1% |
| Participation rate | 75.0% | 72.5%+2.5pp | 76.0%-1.0pp | 69.6%+5.4pp |
| Annual return | 36.36% | 60.99%-24.6pp | 196.47%-160.1pp | 31.72%+4.6pp |
| Employer contribution / active EE | $1,318 | $1,960-32.7% | $2,689-51.0% | $2,471-46.6% |
| Participant deferral / active EE | $2,735 | $3,265-16.2% | $4,245-35.6% | $3,740-26.9% |
| Admin fee / account holder | $2,759 | $6,013-54.1% | $6,643-58.5% | $5,306-48.0% |