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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 | $65,374 | $60,442+8.2% | $96,754-32.4% | $87,485-25.3% |
| Participation rate | 73.3% | 58.7%+14.6pp | 70.3%+3.1pp | 68.9%+4.4pp |
| Annual return | 13.41% | 21.97%-8.6pp | 82.04%-68.6pp | 26.06%-12.7pp |
| Employer contribution / active EE | $1,385 | $1,691-18.1% | $2,679-48.3% | $2,596-46.7% |
| Participant deferral / active EE | $4,390 | $3,280+33.8% | $4,758-7.7% | $4,274+2.7% |
| Admin fee / account holder | $1,443 | $5,069-71.5% | $8,905-83.8% | $7,775-81.4% |