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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 | $63,867 | $78,670-18.8% | $109,173-41.5% | $85,847-25.6% |
| Participation rate | 85.9% | 68.3%+17.6pp | 75.9%+10.0pp | 69.3%+16.6pp |
| Annual return | 12.12% | 25.09%-13.0pp | 25.75%-13.6pp | 318.61%-306.5pp |
| Employer contribution / active EE | $4,573 | $2,734+67.3% | $3,723+22.8% | $2,565+78.3% |
| Participant deferral / active EE | $1,946 | $3,467-43.9% | $4,654-58.2% | $3,952-50.8% |
| Admin fee / account holder | $2,894 | $5,469-47.1% | $6,755-57.2% | $6,261-53.8% |