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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 | $52,636 | $81,208-35.2% | $98,920-46.8% | $79,856-34.1% |
| Participation rate | 73.0% | 72.5%+0.5pp | 76.0%-3.0pp | 69.6%+3.4pp |
| Annual return | 19.75% | 60.99%-41.2pp | 196.47%-176.7pp | 31.71%-12.0pp |
| Employer contribution / active EE | $945 | $1,960-51.8% | $2,689-64.9% | $2,471-61.8% |
| Participant deferral / active EE | $2,037 | $3,265-37.6% | $4,245-52.0% | $3,741-45.5% |
| Admin fee / account holder | $6,328 | $6,013+5.2% | $6,643-4.7% | $5,306+19.2% |