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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 | $82,411 | $124,980-34.1% | $108,359-23.9% | $154,746-46.7% |
| Participation rate | 80.0% | 75.2%+4.8pp | 70.1%+9.9pp | 80.7%-0.7pp |
| Annual return | 11.55% | 45.00%-33.5pp | 36.89%-25.3pp | 172.34%-160.8pp |
| Employer contribution / active EE | $767 | $2,851-73.1% | $2,399-68.0% | $4,379-82.5% |
| Participant deferral / active EE | $2,350 | $4,743-50.5% | $4,137-43.2% | $6,730-65.1% |
| Admin fee / account holder | $42,241 | $11,502+267.3% | $9,741+333.6% | $14,365+194.0% |