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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 | $60,319 | $71,215-15.3% | $93,696-35.6% | $80,935-25.5% |
| Participation rate | 89.7% | 60.4%+29.3pp | 68.7%+21.0pp | 67.7%+22.1pp |
| Annual return | 15.53% | 11.27%+4.3pp | 133.74%-118.2pp | 35.66%-20.1pp |
| Employer contribution / active EE | $617 | $1,565-60.5% | $2,422-74.5% | $2,757-77.6% |
| Participant deferral / active EE | $4,987 | $4,037+23.5% | $4,417+12.9% | $4,299+16.0% |
| Admin fee / account holder | $2,514 | $6,958-63.9% | $8,287-69.7% | $6,924-63.7% |