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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 | $54,446 | $61,125-10.9% | $94,057-42.1% | $87,485-37.8% |
| Participation rate | 86.8% | 64.1%+22.7pp | 73.3%+13.4pp | 68.9%+17.8pp |
| Annual return | 14.77% | 35.20%-20.4pp | 480.62%-465.9pp | 26.06%-11.3pp |
| Employer contribution / active EE | $960 | $2,136-55.1% | $2,933-67.3% | $2,596-63.0% |
| Participant deferral / active EE | $3,982 | $3,260+22.1% | $4,709-15.4% | $4,274-6.8% |
| Admin fee / account holder | $9,755 | $5,629+73.3% | $7,244+34.7% | $7,775+25.5% |