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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 | $58,002 | $78,707-26.3% | $117,861-50.8% | $70,126-17.3% |
| Participation rate | 78.6% | 73.2%+5.4pp | 79.7%-1.1pp | 69.5%+9.0pp |
| Annual return | 14.97% | 23.30%-8.3pp | 335.11%-320.1pp | 73.15%-58.2pp |
| Employer contribution / active EE | $737 | $2,223-66.9% | $3,786-80.5% | $2,343-68.6% |
| Participant deferral / active EE | $2,689 | $3,297-18.4% | $4,482-40.0% | $3,332-19.3% |
| Admin fee / account holder | $693 | $5,066-86.3% | $8,021-91.4% | $4,645-85.1% |