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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 | $60,737 | $95,406-36.3% | $185,849-67.3% | $85,847-29.2% |
| Participation rate | 70.0% | 68.8%+1.2pp | 81.7%-11.7pp | 69.3%+0.7pp |
| Annual return | 20.38% | 23.59%-3.2pp | 122.10%-101.7pp | 318.61%-298.2pp |
| Employer contribution / active EE | $4,113 | $3,314+24.1% | $5,169-20.4% | $2,565+60.3% |
| Participant deferral / active EE | $5,418 | $3,424+58.3% | $5,569-2.7% | $3,952+37.1% |
| Admin fee / account holder | $302 | $7,214-95.8% | $16,244-98.1% | $6,261-95.2% |