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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 | $55,152 | $89,370-38.3% | $141,197-60.9% | $72,976-24.4% |
| Participation rate | 74.5% | 75.1%-0.6pp | 82.5%-7.9pp | 69.5%+5.1pp |
| Annual return | 21.82% | 111.88%-90.1pp | 71.41%-49.6pp | 81.02%-59.2pp |
| Employer contribution / active EE | $1,457 | $3,115-53.2% | $4,736-69.2% | $2,440-40.3% |
| Participant deferral / active EE | $6,409 | $5,419+18.3% | $6,710-4.5% | $3,608+77.7% |
| Admin fee / account holder | $1,000 | $5,957-83.2% | $10,265-90.3% | $5,124-80.5% |