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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 | $68,771 | $84,236-18.4% | $170,435-59.6% | $70,126-1.9% |
| Participation rate | 80.6% | 70.8%+9.8pp | 83.6%-3.0pp | 69.5%+11.1pp |
| Annual return | 15.21% | 23.06%-7.9pp | 205.94%-190.7pp | 73.15%-57.9pp |
| Employer contribution / active EE | $2,365 | $3,387-30.2% | $5,432-56.5% | $2,343+1.0% |
| Participant deferral / active EE | $6,155 | $3,086+99.5% | $4,939+24.6% | $3,332+84.7% |
| Admin fee / account holder | $362 | $5,698-93.7% | $13,881-97.4% | $4,645-92.2% |