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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 | $61,188 | $98,766-38.0% | $149,730-59.1% | $79,852-23.4% |
| Participation rate | 77.1% | 75.8%+1.4pp | 82.5%-5.3pp | 69.6%+7.5pp |
| Annual return | 20.57% | 27.43%-6.9pp | 276.70%-256.1pp | 31.72%-11.1pp |
| Employer contribution / active EE | $2,127 | $3,217-33.9% | $4,645-54.2% | $2,471-13.9% |
| Participant deferral / active EE | $8,726 | $5,681+53.6% | $6,843+27.5% | $3,740+133.3% |
| Admin fee / account holder | $7,738 | $6,052+27.9% | $9,310-16.9% | $5,306+45.8% |