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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 | $55,452 | $84,236-34.2% | $170,435-67.5% | $70,126-20.9% |
| Participation rate | 74.4% | 70.8%+3.6pp | 83.6%-9.2pp | 69.5%+4.9pp |
| Annual return | 16.12% | 23.06%-6.9pp | 205.94%-189.8pp | 73.15%-57.0pp |
| Employer contribution / active EE | $854 | $3,387-74.8% | $5,432-84.3% | $2,343-63.6% |
| Participant deferral / active EE | $3,059 | $3,086-0.9% | $4,939-38.1% | $3,332-8.2% |
| Admin fee / account holder | $7,149 | $5,698+25.5% | $13,881-48.5% | $4,645+53.9% |