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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 | $51,005 | $105,210-51.5% | $159,487-68.0% | $85,851-40.6% |
| Participation rate | 80.7% | 75.8%+4.9pp | 82.8%-2.1pp | 69.3%+11.4pp |
| Annual return | 26.73% | 45.08%-18.4pp | 263.71%-237.0pp | 318.63%-291.9pp |
| Employer contribution / active EE | $1,569 | $3,319-52.7% | $4,831-67.5% | $2,565-38.8% |
| Participant deferral / active EE | $4,902 | $5,946-17.6% | $7,354-33.3% | $3,952+24.0% |
| Admin fee / account holder | $2,075 | $6,934-70.1% | $10,804-80.8% | $6,261-66.9% |