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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 | $47,595 | $97,125-51.0% | $86,233-44.8% | $137,256-65.3% |
| Participation rate | 75.0% | 74.2%+0.8pp | 69.0%+6.0pp | 80.0%-5.0pp |
| Annual return | 16.03% | 74.19%-58.2pp | 61.39%-45.4pp | 220.34%-204.3pp |
| Employer contribution / active EE | $1,262 | $2,841-55.6% | $2,504-49.6% | $4,156-69.6% |
| Participant deferral / active EE | $6,256 | $5,180+20.8% | $4,559+37.2% | $6,407-2.4% |
| Admin fee / account holder | $1,435 | $9,725-85.2% | $8,342-82.8% | $12,270-88.3% |