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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 | $58,707 | $96,524-39.2% | $75,900-22.7% | $152,909-61.6% |
| Participation rate | 73.7% | 76.2%-2.5pp | 69.3%+4.4pp | 82.5%-8.8pp |
| Annual return | 23.29% | 33.93%-10.6pp | 30.73%-7.4pp | 345.46%-322.2pp |
| Employer contribution / active EE | $1,096 | $3,311-66.9% | $2,501-56.2% | $4,764-77.0% |
| Participant deferral / active EE | $2,672 | $4,554-41.3% | $3,604-25.8% | $5,851-54.3% |
| Admin fee / account holder | $2,556 | $8,082-68.4% | $5,421-52.9% | $11,601-78.0% |