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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 | $43,215 | $105,210-58.9% | $159,487-72.9% | $85,851-49.7% |
| Participation rate | 75.0% | 75.8%-0.8pp | 82.8%-7.8pp | 69.3%+5.7pp |
| Annual return | 14.37% | 45.08%-30.7pp | 263.71%-249.3pp | 318.63%-304.3pp |
| Employer contribution / active EE | $2,389 | $3,319-28.0% | $4,831-50.6% | $2,565-6.9% |
| Participant deferral / active EE | $6,080 | $5,946+2.2% | $7,354-17.3% | $3,952+53.8% |
| Admin fee / account holder | $3,989 | $6,934-42.5% | $10,804-63.1% | $6,261-36.3% |