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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 | $68,633 | $116,203-40.9% | $93,621-26.7% | $152,909-55.1% |
| Participation rate | 82.6% | 78.1%+4.6pp | 75.8%+6.8pp | 82.5%+0.2pp |
| Annual return | 23.62% | 35.96%-12.3pp | 32.76%-9.1pp | 345.46%-321.8pp |
| Employer contribution / active EE | $1,548 | $3,219-51.9% | $2,719-43.1% | $4,764-67.5% |
| Participant deferral / active EE | $3,103 | $4,605-32.6% | $4,070-23.8% | $5,851-47.0% |
| Admin fee / account holder | $830 | $10,751-92.3% | $7,890-89.5% | $11,601-92.8% |