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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 | $43,129 | $112,915-61.8% | $90,965-52.6% | $158,950-72.9% |
| Participation rate | 75.0% | 74.7%+0.3pp | 69.0%+6.0pp | 82.0%-7.0pp |
| Annual return | 21.70% | 215.75%-194.1pp | 134.57%-112.9pp | 302.91%-281.2pp |
| Employer contribution / active EE | $1,188 | $2,894-59.0% | $2,122-44.0% | $4,762-75.1% |
| Participant deferral / active EE | $4,073 | $4,128-1.3% | $3,373+20.7% | $5,983-31.9% |
| Admin fee / account holder | $408 | $8,044-94.9% | $5,960-93.2% | $11,248-96.4% |