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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 | $68,241 | $77,908-12.4% | $149,696-54.4% | $75,173-9.2% |
| Participation rate | 84.8% | 65.6%+19.2pp | 78.8%+6.0pp | 67.2%+17.6pp |
| Annual return | 20.36% | 31.73%-11.4pp | 134.46%-114.1pp | 160.72%-140.4pp |
| Employer contribution / active EE | $1,378 | $3,138-56.1% | $4,821-71.4% | $2,671-48.4% |
| Participant deferral / active EE | $4,567 | $3,411+33.9% | $5,682-19.6% | $4,126+10.7% |
| Admin fee / account holder | $3,140 | $5,950-47.2% | $13,212-76.2% | $5,651-44.4% |