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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 | $63,390 | $98,766-35.8% | $149,730-57.7% | $79,852-20.6% |
| Participation rate | 70.3% | 75.8%-5.5pp | 82.5%-12.2pp | 69.6%+0.6pp |
| Annual return | 16.18% | 27.43%-11.2pp | 276.70%-260.5pp | 31.72%-15.5pp |
| Employer contribution / active EE | $3,675 | $3,217+14.3% | $4,645-20.9% | $2,471+48.7% |
| Participant deferral / active EE | $7,440 | $5,681+31.0% | $6,843+8.7% | $3,740+98.9% |
| Admin fee / account holder | $3,841 | $6,052-36.5% | $9,310-58.7% | $5,306-27.6% |