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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 | $39,227 | $98,766-60.3% | $149,730-73.8% | $79,852-50.9% |
| Participation rate | 76.9% | 75.8%+1.1pp | 82.5%-5.6pp | 69.6%+7.3pp |
| Annual return | 22.95% | 27.43%-4.5pp | 276.70%-253.7pp | 31.72%-8.8pp |
| Employer contribution / active EE | $2,509 | $3,217-22.0% | $4,645-46.0% | $2,471+1.6% |
| Participant deferral / active EE | $4,704 | $5,681-17.2% | $6,843-31.3% | $3,740+25.8% |
| Admin fee / account holder | $458 | $6,052-92.4% | $9,310-95.1% | $5,306-91.4% |