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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 | $62,620 | $77,908-19.6% | $149,696-58.2% | $75,173-16.7% |
| Participation rate | 71.1% | 65.6%+5.5pp | 78.8%-7.7pp | 67.2%+3.9pp |
| Annual return | 19.24% | 31.73%-12.5pp | 134.46%-115.2pp | 160.72%-141.5pp |
| Employer contribution / active EE | $1,242 | $3,138-60.4% | $4,821-74.2% | $2,671-53.5% |
| Participant deferral / active EE | $4,692 | $3,411+37.5% | $5,682-17.4% | $4,126+13.7% |
| Admin fee / account holder | $2,724 | $5,950-54.2% | $13,212-79.4% | $5,651-51.8% |