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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 | $41,246 | $98,776-58.2% | $149,745-72.5% | $79,856-48.3% |
| Participation rate | 87.8% | 75.8%+12.0pp | 82.5%+5.3pp | 69.6%+18.1pp |
| Annual return | 21.55% | 27.38%-5.8pp | 276.72%-255.2pp | 31.71%-10.2pp |
| Employer contribution / active EE | $1,987 | $3,217-38.3% | $4,646-57.2% | $2,471-19.6% |
| Participant deferral / active EE | $4,897 | $5,681-13.8% | $6,843-28.4% | $3,741+30.9% |
| Admin fee / account holder | $2,254 | $6,053-62.8% | $9,312-75.8% | $5,306-57.5% |