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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 | $50,820 | $98,776-48.6% | $149,745-66.1% | $79,856-36.4% |
| Participation rate | 78.6% | 75.8%+2.8pp | 82.5%-3.9pp | 69.6%+8.9pp |
| Annual return | 18.96% | 27.38%-8.4pp | 276.72%-257.8pp | 31.71%-12.8pp |
| Employer contribution / active EE | $1,797 | $3,217-44.1% | $4,646-61.3% | $2,471-27.3% |
| Participant deferral / active EE | $5,643 | $5,681-0.7% | $6,843-17.5% | $3,741+50.9% |
| Admin fee / account holder | $1,898 | $6,053-68.6% | $9,312-79.6% | $5,306-64.2% |