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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 | $58,593 | $78,423-25.3% | $95,964-38.9% | $79,856-26.6% |
| Participation rate | 85.7% | 73.5%+12.2pp | 77.1%+8.6pp | 69.6%+16.1pp |
| Annual return | 15.43% | 19.37%-3.9pp | 91.64%-76.2pp | 31.71%-16.3pp |
| Employer contribution / active EE | $1,152 | $1,945-40.8% | $2,541-54.7% | $2,471-53.4% |
| Participant deferral / active EE | $2,692 | $3,440-21.8% | $4,167-35.4% | $3,741-28.0% |
| Admin fee / account holder | $605 | $5,622-89.2% | $6,797-91.1% | $5,306-88.6% |