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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 | $66,677 | $89,259-25.3% | $107,187-37.8% | $82,637-19.3% |
| Participation rate | 70.0% | 67.9%+2.1pp | 75.0%-5.0pp | 68.1%+1.9pp |
| Annual return | 16.77% | 21.02%-4.3pp | 204.55%-187.8pp | 53.51%-36.7pp |
| Employer contribution / active EE | $1,655 | $3,080-46.3% | $3,782-56.3% | $2,552-35.2% |
| Participant deferral / active EE | $3,356 | $4,037-16.9% | $5,096-34.1% | $4,126-18.7% |
| Admin fee / account holder | $3,716 | $7,381-49.7% | $9,162-59.4% | $7,339-49.4% |