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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 | $48,465 | $99,957-51.5% | $149,715-67.6% | $73,493-34.1% |
| Participation rate | 91.7% | 75.7%+16.0pp | 82.5%+9.2pp | 70.7%+21.0pp |
| Annual return | 27.70% | 53.87%-26.2pp | 276.66%-249.0pp | 28.51%-0.8pp |
| Employer contribution / active EE | $1,283 | $3,191-59.8% | $4,645-72.4% | $2,270-43.5% |
| Participant deferral / active EE | $13,715 | $6,073+125.8% | $6,842+100.4% | $3,740+266.7% |
| Admin fee / account holder | $2,758 | $551+400.8% | $9,310-70.4% | $513+437.6% |