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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 | $44,843 | $105,198-57.4% | $159,455-71.9% | $85,856-47.8% |
| Participation rate | 75.0% | 75.8%-0.8pp | 82.8%-7.8pp | 69.3%+5.7pp |
| Annual return | 17.96% | 45.08%-27.1pp | 263.63%-245.7pp | 318.58%-300.6pp |
| Employer contribution / active EE | $3,920 | $3,319+18.1% | $4,830-18.9% | $2,565+52.8% |
| Participant deferral / active EE | $7,573 | $5,946+27.4% | $7,353+3.0% | $3,952+91.6% |
| Admin fee / account holder | $1,650 | $6,934-76.2% | $10,800-84.7% | $6,261-73.6% |