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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 | $78,414 | $83,337-5.9% | $67,834+15.6% | $273,972-71.4% |
| Participation rate | 70.0% | 76.4%-6.4pp | 68.8%+1.2pp | 83.0%-13.0pp |
| Annual return | 5.92% | 259.45%-253.5pp | 138.47%-132.6pp | 41.46%-35.5pp |
| Employer contribution / active EE | $1,446 | $3,287-56.0% | $2,403-39.8% | $4,869-70.3% |
| Participant deferral / active EE | $5,498 | $4,088+34.5% | $3,160+74.0% | $5,287+4.0% |
| Admin fee / account holder | $3,694 | $6,752-45.3% | $4,622-20.1% | $10,133-63.5% |