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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 | $68,256 | $85,024-19.7% | $70,544-3.2% | $139,466-51.1% |
| Participation rate | 70.0% | 73.9%-3.9pp | 68.4%+1.6pp | 80.3%-10.3pp |
| Annual return | 22.09% | 30.39%-8.3pp | 32.79%-10.7pp | 373.66%-351.6pp |
| Employer contribution / active EE | $2,713 | $3,912-30.6% | $2,976-8.8% | $4,754-42.9% |
| Participant deferral / active EE | $8,499 | $5,891+44.3% | $4,568+86.0% | $6,712+26.6% |
| Admin fee / account holder | $4,280 | $8,928-52.1% | $6,427-33.4% | $11,409-62.5% |