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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 | $50,776 | $98,766-48.6% | $149,730-66.1% | $79,852-36.4% |
| Participation rate | 72.3% | 75.8%-3.4pp | 82.5%-10.1pp | 69.6%+2.7pp |
| Annual return | 21.11% | 27.43%-6.3pp | 276.70%-255.6pp | 31.72%-10.6pp |
| Employer contribution / active EE | $2,232 | $3,217-30.6% | $4,645-51.9% | $2,471-9.7% |
| Participant deferral / active EE | $12,129 | $5,681+113.5% | $6,843+77.2% | $3,740+224.3% |
| Admin fee / account holder | $8,641 | $6,052+42.8% | $9,310-7.2% | $5,306+62.8% |