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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 | $36,368 | $77,920-53.3% | $149,723-75.7% | $75,177-51.6% |
| Participation rate | 86.7% | 65.6%+21.1pp | 78.8%+7.9pp | 67.2%+19.5pp |
| Annual return | 20.19% | 31.72%-11.5pp | 134.50%-114.3pp | 160.75%-140.6pp |
| Employer contribution / active EE | $1,451 | $3,138-53.8% | $4,821-69.9% | $2,671-45.7% |
| Participant deferral / active EE | $3,858 | $3,411+13.1% | $5,682-32.1% | $4,126-6.5% |
| Admin fee / account holder | $4,611 | $5,951-22.5% | $13,215-65.1% | $5,651-18.4% |