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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 | $53,449 | $98,776-45.9% | $149,745-64.3% | $79,856-33.1% |
| Participation rate | 72.7% | 75.8%-3.1pp | 82.5%-9.8pp | 69.6%+3.1pp |
| Annual return | 22.96% | 27.38%-4.4pp | 276.72%-253.8pp | 31.71%-8.8pp |
| Employer contribution / active EE | $2,486 | $3,217-22.7% | $4,646-46.5% | $2,471+0.6% |
| Participant deferral / active EE | $5,753 | $5,681+1.3% | $6,843-15.9% | $3,741+53.8% |
| Admin fee / account holder | $508 | $6,053-91.6% | $9,312-94.5% | $5,306-90.4% |