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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 | $29,544 | $70,684-58.2% | $169,397-82.6% | $75,177-60.7% |
| Participation rate | 70.4% | 64.8%+5.6pp | 77.2%-6.8pp | 67.2%+3.2pp |
| Annual return | 22.90% | 36.38%-13.5pp | 406.23%-383.3pp | 160.75%-137.9pp |
| Employer contribution / active EE | $1,361 | $2,211-38.5% | $4,013-66.1% | $2,671-49.1% |
| Participant deferral / active EE | $10,247 | $4,310+137.8% | $6,223+64.7% | $4,126+148.3% |
| Admin fee / account holder | $2,070 | $5,404-61.7% | $9,017-77.0% | $5,651-63.4% |