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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 | $60,613 | $107,368-43.5% | $92,915-34.8% | $152,909-60.4% |
| Participation rate | 81.8% | 79.8%+2.0pp | 76.0%+5.8pp | 82.5%-0.6pp |
| Annual return | 22.48% | 145.64%-123.2pp | 109.45%-87.0pp | 345.46%-323.0pp |
| Employer contribution / active EE | $1,955 | $4,222-53.7% | $3,653-46.5% | $4,764-59.0% |
| Participant deferral / active EE | $4,454 | $4,848-8.1% | $4,238+5.1% | $5,851-23.9% |
| Admin fee / account holder | $328 | $7,082-95.4% | $5,796-94.3% | $11,601-97.2% |