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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 | $20,974 | $109,411-80.8% | $89,435-76.5% | $158,982-86.8% |
| Participation rate | 71.4% | 74.3%-2.8pp | 68.0%+3.4pp | 82.0%-10.5pp |
| Annual return | 15.06% | 345.68%-330.6pp | 245.55%-230.5pp | 302.99%-287.9pp |
| Employer contribution / active EE | $2,118 | $3,173-33.2% | $2,587-18.1% | $4,763-55.5% |
| Participant deferral / active EE | $5,135 | $4,600+11.6% | $3,890+32.0% | $5,983-14.2% |
| Admin fee / account holder | $5,504 | $6,159-10.6% | $4,884+12.7% | $11,252-51.1% |