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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 | $54,158 | $89,370-39.4% | $141,197-61.6% | $72,976-25.8% |
| Participation rate | 75.5% | 75.1%+0.3pp | 82.5%-7.0pp | 69.5%+6.0pp |
| Annual return | 24.23% | 111.88%-87.6pp | 71.41%-47.2pp | 81.02%-56.8pp |
| Employer contribution / active EE | $2,367 | $3,115-24.0% | $4,736-50.0% | $2,440-3.0% |
| Participant deferral / active EE | $4,367 | $5,419-19.4% | $6,710-34.9% | $3,608+21.1% |
| Admin fee / account holder | $2,315 | $5,957-61.1% | $10,265-77.5% | $5,124-54.8% |