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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 | $68,852-10.6% | $120,524-48.9% | $80,925-23.9% |
| Participation rate | 78.9% | 61.6%+17.3pp | 71.9%+7.0pp | 67.7%+11.3pp |
| Annual return | 13.68% | 23.67%-10.0pp | 107.36%-93.7pp | 35.65%-22.0pp |
| Employer contribution / active EE | $2,484 | $2,063+20.4% | $3,469-28.4% | $2,756-9.9% |
| Participant deferral / active EE | $2,885 | $3,187-9.5% | $4,994-42.2% | $4,299-32.9% |
| Admin fee / account holder | $417 | $5,781-92.8% | $9,440-95.6% | $6,940-94.0% |