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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 | $78,917 | $98,766-20.1% | $149,730-47.3% | $79,852-1.2% |
| Participation rate | 83.3% | 75.8%+7.6pp | 82.5%+0.9pp | 69.6%+13.7pp |
| Annual return | 18.43% | 27.43%-9.0pp | 276.70%-258.3pp | 31.72%-13.3pp |
| Employer contribution / active EE | $1,951 | $3,217-39.3% | $4,645-58.0% | $2,471-21.0% |
| Participant deferral / active EE | $5,318 | $5,681-6.4% | $6,843-22.3% | $3,740+42.2% |
| Admin fee / account holder | $591 | $6,052-90.2% | $9,310-93.7% | $5,306-88.9% |