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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 | $39,480 | $98,776-60.0% | $149,745-73.6% | $79,856-50.6% |
| Participation rate | 72.2% | 75.8%-3.6pp | 82.5%-10.3pp | 69.6%+2.6pp |
| Annual return | 21.03% | 27.38%-6.3pp | 276.72%-255.7pp | 31.71%-10.7pp |
| Employer contribution / active EE | $2,972 | $3,217-7.6% | $4,646-36.0% | $2,471+20.3% |
| Participant deferral / active EE | $5,258 | $5,681-7.4% | $6,843-23.2% | $3,741+40.6% |
| Admin fee / account holder | $3,202 | $6,053-47.1% | $9,312-65.6% | $5,306-39.7% |