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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 | $44,833 | $98,776-54.6% | $149,745-70.1% | $79,856-43.9% |
| Participation rate | 80.7% | 75.8%+4.9pp | 82.5%-1.8pp | 69.6%+11.1pp |
| Annual return | 20.33% | 27.38%-7.0pp | 276.72%-256.4pp | 31.71%-11.4pp |
| Employer contribution / active EE | $3,277 | $3,217+1.8% | $4,646-29.5% | $2,471+32.6% |
| Participant deferral / active EE | $4,303 | $5,681-24.3% | $6,843-37.1% | $3,741+15.0% |
| Admin fee / account holder | $980 | $6,053-83.8% | $9,312-89.5% | $5,306-81.5% |