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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 | $61,556 | $68,880-10.6% | $120,580-49.0% | $80,959-24.0% |
| Participation rate | 78.9% | 61.7%+17.2pp | 72.0%+7.0pp | 67.7%+11.3pp |
| Annual return | 13.68% | 23.68%-10.0pp | 107.48%-93.8pp | 35.67%-22.0pp |
| Employer contribution / active EE | $2,484 | $2,066+20.2% | $3,469-28.4% | $2,757-9.9% |
| Participant deferral / active EE | $2,885 | $3,191-9.6% | $4,995-42.3% | $4,300-32.9% |
| Admin fee / account holder | $417 | $5,785-92.8% | $9,418-95.6% | $6,925-94.0% |