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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 | $45,586 | $124,330-63.3% | $109,173-58.2% | $167,536-72.8% |
| Participation rate | 79.2% | 79.5%-0.3pp | 75.9%+3.3pp | 82.1%-2.9pp |
| Annual return | 15.87% | 26.04%-10.2pp | 25.75%-9.9pp | 478.82%-462.9pp |
| Employer contribution / active EE | $2,150 | $4,209-48.9% | $3,723-42.2% | $4,839-55.6% |
| Participant deferral / active EE | $6,002 | $5,256+14.2% | $4,654+29.0% | $6,342-5.4% |
| Admin fee / account holder | $2,719 | $7,974-65.9% | $6,755-59.7% | $12,315-77.9% |