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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 | $36,232 | $93,345-61.2% | $119,126-69.6% | $87,485-58.6% |
| Participation rate | 74.3% | 68.7%+5.5pp | 75.8%-1.5pp | 68.9%+5.4pp |
| Annual return | 15.61% | 19.08%-3.5pp | 282.11%-266.5pp | 26.06%-10.5pp |
| Employer contribution / active EE | $1,281 | $3,172-59.6% | $4,034-68.2% | $2,596-50.6% |
| Participant deferral / active EE | $4,557 | $4,099+11.2% | $5,318-14.3% | $4,274+6.6% |
| Admin fee / account holder | $5,351 | $8,039-33.4% | $10,693-50.0% | $7,775-31.2% |