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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 | $61,532 | $98,766-37.7% | $149,730-58.9% | $79,852-22.9% |
| Participation rate | 73.5% | 75.8%-2.3pp | 82.5%-9.0pp | 69.6%+3.9pp |
| Annual return | 18.84% | 27.43%-8.6pp | 276.70%-257.9pp | 31.72%-12.9pp |
| Employer contribution / active EE | $2,446 | $3,217-24.0% | $4,645-47.4% | $2,471-1.0% |
| Participant deferral / active EE | $8,862 | $5,681+56.0% | $6,843+29.5% | $3,740+136.9% |
| Admin fee / account holder | $7,829 | $6,052+29.4% | $9,310-15.9% | $5,306+47.5% |