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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 | $50,211 | $98,766-49.2% | $149,730-66.5% | $79,852-37.1% |
| Participation rate | 75.0% | 75.8%-0.8pp | 82.5%-7.5pp | 69.6%+5.4pp |
| Annual return | 14.88% | 27.43%-12.5pp | 276.70%-261.8pp | 31.72%-16.8pp |
| Employer contribution / active EE | $2,025 | $3,217-37.1% | $4,645-56.4% | $2,471-18.1% |
| Participant deferral / active EE | $4,012 | $5,681-29.4% | $6,843-41.4% | $3,740+7.3% |
| Admin fee / account holder | $1,184 | $6,052-80.4% | $9,310-87.3% | $5,306-77.7% |