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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 | $44,389 | $93,346-52.4% | $71,796-38.2% | $273,972-83.8% |
| Participation rate | 73.3% | 76.5%-3.2pp | 69.1%+4.2pp | 83.0%-9.7pp |
| Annual return | 4.94% | 130.39%-125.4pp | 78.04%-73.1pp | 41.46%-36.5pp |
| Employer contribution / active EE | $1,362 | $2,733-50.2% | $1,924-29.2% | $4,869-72.0% |
| Participant deferral / active EE | $2,051 | $3,475-41.0% | $2,794-26.6% | $5,287-61.2% |
| Admin fee / account holder | $14,929 | $6,571+127.2% | $4,815+210.1% | $10,133+47.3% |