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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 | $41,232 | $101,063-59.2% | $81,473-49.4% | $147,586-72.1% |
| Participation rate | 77.8% | 74.5%+3.3pp | 68.0%+9.8pp | 82.8%-5.1pp |
| Annual return | 16.15% | 32.41%-16.3pp | 38.78%-22.6pp | 578.59%-562.4pp |
| Employer contribution / active EE | $1,478 | $3,206-53.9% | $2,568-42.5% | $4,876-69.7% |
| Participant deferral / active EE | $5,464 | $4,242+28.8% | $3,537+54.5% | $5,439+0.5% |
| Admin fee / account holder | $754 | $5,812-87.0% | $4,561-83.5% | $10,886-93.1% |