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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 | $53,556 | $156,616-65.8% | $133,346-59.8% | $198,609-73.0% |
| Participation rate | 81.0% | 77.7%+3.2pp | 72.8%+8.1pp | 82.4%-1.4pp |
| Annual return | 3.89% | 44.25%-40.4pp | 36.85%-33.0pp | 202.70%-198.8pp |
| Employer contribution / active EE | $1,863 | $3,368-44.7% | $2,853-34.7% | $5,055-63.1% |
| Participant deferral / active EE | $5,494 | $4,920+11.7% | $4,332+26.8% | $6,977-21.3% |
| Admin fee / account holder | $7,989 | $17,468-54.3% | $14,264-44.0% | $19,030-58.0% |