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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 | $55,544 | $97,125-42.8% | $86,233-35.6% | $137,256-59.5% |
| Participation rate | 92.9% | 74.2%+18.7pp | 69.0%+23.8pp | 80.0%+12.9pp |
| Annual return | 16.47% | 74.19%-57.7pp | 61.39%-44.9pp | 220.34%-203.9pp |
| Employer contribution / active EE | $1,522 | $2,841-46.4% | $2,504-39.2% | $4,156-63.4% |
| Participant deferral / active EE | $4,677 | $5,180-9.7% | $4,559+2.6% | $6,407-27.0% |
| Admin fee / account holder | $739 | $9,725-92.4% | $8,342-91.1% | $12,270-94.0% |