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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 | $28,766 | $93,346-69.2% | $71,796-59.9% | $273,972-89.5% |
| Participation rate | 78.3% | 76.5%+1.7pp | 69.1%+9.1pp | 83.0%-4.8pp |
| Annual return | 5.93% | 130.39%-124.5pp | 78.04%-72.1pp | 41.46%-35.5pp |
| Employer contribution / active EE | $1,315 | $2,733-51.9% | $1,924-31.7% | $4,869-73.0% |
| Participant deferral / active EE | $3,783 | $3,475+8.8% | $2,794+35.4% | $5,287-28.5% |
| Admin fee / account holder | $6,164 | $6,571-6.2% | $4,815+28.0% | $10,133-39.2% |