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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 | $41,788 | $98,776-57.7% | $149,745-72.1% | $79,856-47.7% |
| Participation rate | 71.8% | 75.8%-4.0pp | 82.5%-10.7pp | 69.6%+2.1pp |
| Annual return | 20.56% | 27.38%-6.8pp | 276.72%-256.2pp | 31.71%-11.1pp |
| Employer contribution / active EE | $2,834 | $3,217-11.9% | $4,646-39.0% | $2,471+14.7% |
| Participant deferral / active EE | $5,798 | $5,681+2.1% | $6,843-15.3% | $3,741+55.0% |
| Admin fee / account holder | $7,630 | $6,053+26.1% | $9,312-18.1% | $5,306+43.8% |