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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 | $40,780 | $48,053-15.1% | $84,628-51.8% | $72,975-44.1% |
| Participation rate | 77.5% | 57.6%+19.9pp | 68.2%+9.3pp | 69.5%+8.0pp |
| Annual return | 20.78% | 37.39%-16.6pp | 258.80%-238.0pp | 81.01%-60.2pp |
| Employer contribution / active EE | $1,771 | $1,602+10.6% | $2,653-33.2% | $2,440-27.4% |
| Participant deferral / active EE | $3,353 | $2,681+25.1% | $3,900-14.0% | $3,608-7.1% |
| Admin fee / account holder | $953 | $3,395-71.9% | $4,914-80.6% | $5,124-81.4% |