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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 | $60,315 | $98,776-38.9% | $149,745-59.7% | $79,856-24.5% |
| Participation rate | 91.7% | 75.8%+15.9pp | 82.5%+9.2pp | 69.6%+22.0pp |
| Annual return | 18.85% | 27.38%-8.5pp | 276.72%-257.9pp | 31.71%-12.9pp |
| Employer contribution / active EE | $2,696 | $3,217-16.2% | $4,646-42.0% | $2,471+9.1% |
| Participant deferral / active EE | $4,823 | $5,681-15.1% | $6,843-29.5% | $3,741+28.9% |
| Admin fee / account holder | $676 | $6,053-88.8% | $9,312-92.7% | $5,306-87.3% |