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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 | $57,515 | $84,236-31.7% | $170,435-66.3% | $70,126-18.0% |
| Participation rate | 91.2% | 70.8%+20.4pp | 83.6%+7.6pp | 69.5%+21.7pp |
| Annual return | 18.05% | 23.06%-5.0pp | 205.94%-187.9pp | 73.15%-55.1pp |
| Employer contribution / active EE | $1,027 | $3,387-69.7% | $5,432-81.1% | $2,343-56.2% |
| Participant deferral / active EE | $2,391 | $3,086-22.5% | $4,939-51.6% | $3,332-28.2% |
| Admin fee / account holder | $1,260 | $5,698-77.9% | $13,881-90.9% | $4,645-72.9% |