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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 | $72,617 | $98,766-26.5% | $149,730-51.5% | $79,852-9.1% |
| Participation rate | 73.2% | 75.8%-2.6pp | 82.5%-9.3pp | 69.6%+3.5pp |
| Annual return | 20.05% | 27.43%-7.4pp | 276.70%-256.6pp | 31.72%-11.7pp |
| Employer contribution / active EE | $2,625 | $3,217-18.4% | $4,645-43.5% | $2,471+6.2% |
| Participant deferral / active EE | $6,232 | $5,681+9.7% | $6,843-8.9% | $3,740+66.6% |
| Admin fee / account holder | $2,755 | $6,052-54.5% | $9,310-70.4% | $5,306-48.1% |