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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 | $50,182 | $88,672-43.4% | $105,223-52.3% | $82,448-39.1% |
| Participation rate | 84.1% | 67.9%+16.2pp | 75.0%+9.0pp | 68.1%+16.0pp |
| Annual return | 26.75% | 30.86%-4.1pp | 180.65%-153.9pp | 41.64%-14.9pp |
| Employer contribution / active EE | $2,372 | $3,048-22.2% | $3,689-35.7% | $2,551-7.0% |
| Participant deferral / active EE | $4,568 | $4,036+13.2% | $5,072-9.9% | $4,139+10.4% |
| Admin fee / account holder | $5,741 | $7,146-19.7% | $8,859-35.2% | $7,234-20.6% |