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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 | $64,471 | $84,236-23.5% | $170,435-62.2% | $70,126-8.1% |
| Participation rate | 73.5% | 70.8%+2.7pp | 83.6%-10.1pp | 69.5%+4.0pp |
| Annual return | 15.38% | 23.06%-7.7pp | 205.94%-190.6pp | 73.15%-57.8pp |
| Employer contribution / active EE | $5,948 | $3,387+75.6% | $5,432+9.5% | $2,343+153.9% |
| Participant deferral / active EE | $1,652 | $3,086-46.5% | $4,939-66.6% | $3,332-50.4% |
| Admin fee / account holder | $552 | $5,698-90.3% | $13,881-96.0% | $4,645-88.1% |